The right loan depends on your situation. Let's find yours.
Buying your first home, self-employed, pulling equity, building from the ground up, or growing a rental portfolio. There's a program built for it. Look through the options below, then book a call and we'll walk through your scenario together.
Traditional Loan Programs
Standard financing for buying or refinancing a primary home, second home, or rental, backed by the major agencies.
Conventional Loans
For buyers with solid credit and steady W-2 or documented income.
- Purchase, rate-and-term, and cash-out refinance
- Primary homes, second homes, and investment properties
- Fixed and adjustable-rate options
- Mortgage insurance can be removed as you build equity
FHA Loans
For first-time buyers and borrowers rebuilding credit.
- More flexible credit guidelines
- Gift funds allowed toward your down payment
- 1–4 unit properties, owner-occupied
- Streamline refinance available on existing FHA loans
VA Loans
For eligible veterans, active-duty service members, and surviving spouses.
- No down payment required for eligible borrowers
- No monthly mortgage insurance
- Cash-out and streamline (IRRRL) refinance options
- Can be used more than once
USDA Loans
For buyers in eligible rural and suburban areas who meet income limits.
- No down payment required for eligible borrowers
- Many suburban areas qualify, not just farmland
- Owner-occupied primary residences
Jumbo Loans
For purchases above conventional loan limits.
- Financing for higher-priced homes
- Primary, second home, and investment options
- Fixed and adjustable-rate options
Bank Statement & Self-Employed Loans
Your tax returns don't tell the whole story when you write off expenses. These programs qualify you on what actually hits your account.
Bank Statement Loans
For business owners, entrepreneurs, and 1099 earners.
- Qualify using 12 or 24 months of personal or business bank statements
- No tax returns required
- Purchase, refinance, and cash-out
- Primary homes, second homes, and investment properties
1099 & P&L Loans
For contractors, gig workers, and owners with a CPA-prepared profit and loss.
- Qualify using 1099s or a P&L statement
- No full tax return documentation
- Works for newer businesses in many cases
Asset-Based Loans
For retirees and borrowers with significant savings but limited income.
- Qualify using liquid assets and retirement accounts
- No employment verification required
- Purchase and refinance options
HELOC Programs
Use the equity you've already built — for renovations, paying off debt, a down payment on your next property, or a cash reserve — without giving up your first mortgage.
500 Credit Score HELOC
For homeowners with equity whose credit has kept them out of traditional HELOCs.
- Credit scores as low as 500 considered
- Approval driven by your home equity, not just your score
- Keep your current first mortgage and rate
- Use funds for debt payoff, repairs, or investing
Standard HELOC
For homeowners with good credit who want flexible access to equity.
- Draw what you need, when you need it
- Pay interest only on what you use during the draw period
- Keep your current first mortgage and rate
- Available on primary residences, and on investment properties in some cases
Construction & Renovation Loans
Financing for building new or fixing up what you buy — so the cost of the work is part of the loan, not out of pocket.
Construction-to-Permanent
For building a home from the ground up.
- One loan covers the build and converts to a mortgage when complete
- Single closing option — one set of closing costs
- Lot purchase can be included
- Builder draws managed through the loan
Renovation Loans
For buying a home that needs work, or upgrading the one you have.
- FHA 203(k) and conventional renovation options
- Purchase price and repair costs combined in one loan
- Based on the home's value after improvements
Investor Ground-Up Construction
For investors and builders developing rentals or spec homes.
- Short-term financing for new builds
- Funds released in draws as construction progresses
- Exit into a long-term rental loan or sale
Investor Programs
Financing built for rental property — qualify on what the property earns, buy in your LLC, and keep scaling.
DSCR Loans
For investors buying or refinancing long-term rentals.
- Qualify on the property's rental income, not your personal income
- No tax returns or employment verification
- Close in your LLC
- No limit on the number of properties you finance
Fix & Flip / Bridge Loans
For investors buying properties to renovate and sell or refinance.
- Short-term financing for purchase and rehab
- Rehab funds released in draws
- Based on the property's after-repair value
- Fast closings for competitive deals
Short-Term Rental Loans
For Airbnb and vacation rental investors.
- Qualify using projected or actual short-term rental income
- Purchase and cash-out refinance
- Close in your LLC
Portfolio & Blanket Loans
For investors with multiple rentals who want to consolidate or pull equity.
- Finance several properties under one loan
- Cash-out to fund your next acquisitions
- Simplify payments and paperwork
Multifamily & Mixed-Use
For investors moving into 5+ unit or commercial-residential properties.
- Financing for apartment buildings and mixed-use properties
- Purchase and refinance options
- Qualify on the property's performance
How It Works
Book your call
Pick a time that works for you and answer a few quick questions about what you're looking to do.
We review your scenario
We'll go over your goals, income, credit, and property so I can see which programs fit.
Get your game plan
You'll leave the call knowing your best options and exactly what's needed to move forward.
Not sure which program fits?
That's what the call is for. Tell me what you're trying to do, and I'll match you with the right option.
Book a Call With Me