One broker, the full lineup — and the hard-to-place loans most lenders decline. Since 2007 we’ve matched the program to the borrower, not the other way around. Here is what we do.
Purchase & conventional
- Conventional — the standard loan for primary homes, with down-payment options well under 20%.
- FHA & VA — government-backed loans with lower barriers; down to a 500 FICO where most lenders stop at 580, and VA often zero-down for eligible veterans.
- Jumbo — financing above conforming limits for higher-value homes.
- First-time buyer — low-down-payment paths and plain guidance from application to keys.
Refinance & equity
- Rate-and-term refinance — lower your rate or change your term. See the break-even.
- Cash-out refinance — turn equity into cash for renovations, debt payoff, or investment.
- HELOC — a line of credit against your equity, down to a 600 FICO where many stop at 640 — without touching your low first-mortgage rate.
Retirement & investor
- Reverse mortgage (HECM) — for homeowners 62+, turn equity into monthly comfort; down to a 500 FICO with past mortgage lates OK.
- DSCR investor — qualify a rental on its own cash flow, down to a 0.75 ratio where others cut off at 1.00. Check your DSCR.
- Bank-statement — self-employed income read from 12–24 months of deposits, no W-2 or tax returns required.
- Commercial — tell us the scenario; commercial inquiries are welcome.
Not sure which fits? That’s the point of talking to a real officer. Start with a few questions — no credit pull — and we’ll point you to the right program. See programs by state →
