Every loan type, explained honestly.

The standard for qualified borrowers. Fixed-rate terms from 10 to 30 years, plus adjustable-rate options for those who want lower initial payments. We'll help you think through which term actually serves your goals.

• Down payments from 3%
• Conforming & high-balance limits
• No upfront PMI at 20% down
• Primary, second, investment OK

Government-backed loans well suited for first-time buyers or borrowers with limited down payment savings. More flexible credit requirements than conventional—but we'll walk you through the mortgage insurance math so you understand the trade-offs clearly.

• 3.5% minimum down payment
• FICO scores from 580
• Gift funds allowed
• Seller concessions up to 6%

For active-duty service members, veterans, and eligible surviving spouses. No down payment and no monthly mortgage insurance. One of the most favorable loan programs available—and we'll help you understand the funding fee and eligibility details.

• 0% down payment
• No monthly mortgage insurance
• Funding fee can be financed
• Assumable by qualified buyers

Zero-down loans for properties in eligible rural and suburban areas. Income limits apply, but many suburban communities qualify. We'll check eligibility for any specific address you're considering.

• 0% down payment
• Competitive fixed rates
• Reduced mortgage insurance
• Income & property eligibility

Replace your existing mortgage with one at a better rate, different term, or both. Before you commit to anything, we'll run a complete break-even analysis so you know exactly when the math turns positive.

• Conventional & FHA streamline
• VA IRRRL available
• Full break-even analysis
• Close in as few as 21 days

Access your home's equity for debt consolidation, renovations, investment, or education costs. We'll model the scenario against alternatives like a HELOC so you can see which path actually fits your situation best.

• Up to 80% LTV typically
• Fixed-rate stability
• Compared vs. HELOC options
• Consult your tax advisor

Financing above conforming loan limits for higher-value properties. Our wholesale lender network gives access to portfolio jumbo products with competitive pricing. Strong credit and reserves required—we'll help you structure the application well.

• Higher loan amounts
• Competitive jumbo pricing
• Interest-only options available
• Asset-depletion qualifying

For business owners and 1099 earners whose tax returns don't fully reflect cash flow. Qualify based on bank deposits instead of tax returns. We specialize in these scenarios and understand how underwriters actually evaluate them.

• 12 or 24 months statements
• No tax returns required
• Primary & investment
• Competitive non-QM pricing