Lending Solutions
Every door into a home loan — what each program is, who it fits, and the trade-offs.
There is rarely one “right” loan — there is the right loan for your situation. A first-time buyer with a rebuilding credit history, a surgeon buying a first home, a business owner whose tax returns understate the truth, and an investor buying a fourth rental each need a different door. Here is every door we open, and the honest case for and against each.
FHA Loans: The First-Time Buyer’s Workhorse
Low down payment, forgiving credit, and a path to approval when conventional says no.
VA Loans: The Benefit Veterans Earned
Zero down, no monthly mortgage insurance, and some of the most powerful terms in lending.
Conventional Loans: The Default for Strong Files
The most common loan in America — and the one that lets you drop mortgage insurance as you build equity.
Jumbo & Super Jumbo Loans
Financing above the conforming limit — handled with the discretion a high-value transaction deserves.
Bank-Statement Loans for the Self-Employed
Your tax return is written to lower your taxes. This program reads your real income instead.
DSCR & Investor Loans
Qualify on the property’s rent, not your personal income. Built for people building a portfolio.
Non-QM & Alternative Programs
ARMs to 40 years, interest-only, asset utilization, recent-credit-event loans — the tools for files that don’t fit a box.
USDA Loans: Zero Down in Eligible Areas
A quiet, powerful program for buyers in rural and many suburban areas — no down payment required.
FHA 203(k): Buy and Renovate With One Loan
Finance a home and the work it needs in a single mortgage — perfect for a diamond in the rough.
Construction Loans: Financing a Home You Build
From a lot and a blueprint to a finished home — how the financing actually works.
First-Time Buyer Programs & Down Payment Assistance
Grants, second loans and tax credits that quietly make the first home possible.
Condo & Unique-Property Financing
When the property itself — not you — is the underwriting question.
Physician & Professional Loans
Special terms for doctors, dentists and select professionals — low down, no PMI, and a sane view of student debt.
Asset-Depletion & Asset-Based Loans
When your wealth is in your accounts rather than your paycheck, your assets can qualify you.
ITIN & Non-Citizen Home Loans
A path to ownership for borrowers who pay taxes with an ITIN or hold non-citizen status.
Manufactured & Mobile Home Loans
Affordable homeownership on a different foundation — with financing that fits.
Streamline Refinances: VA IRRRL & FHA Streamline
If you already have a VA or FHA loan, lowering your rate can be remarkably simple.
HomeReady & Home Possible: Low-Down Conventional
3% down conventional loans with reduced mortgage insurance, built for low-to-moderate income buyers.
Piggyback Loans (80-10-10) & Second Liens
A clever structure that can avoid mortgage insurance — or keep you under the jumbo threshold.
Energy-Efficient & Green Mortgages
Finance the improvements that lower your utility bills — folded right into your loan.
Foreign National Home Loans
Financing U.S. property for buyers without U.S. residency or credit history.
HomeStyle & Renovation Financing Beyond 203(k)
A conventional way to buy and renovate in one loan — with fewer limits than an FHA 203(k).