Purchase
First-time & move-up buyersBuying a home? We match you to the right program and protect your timeline from offer to keys.
- First-time buyer friendly
- Pre-qualification in minutes
- Down payment options
Home / Loan Options
Loan productsFind the loan that fits your life.
Conventional, jumbo, FHA, VA, and non-QM — we shop every product across our lender network and explain the trade-offs in plain English. No jargon, no pressure.
Refinance
Current homeownersLower your rate, shorten your term, or change loan type — we run the numbers with you in plain English.
- Rate & term refinance
- Streamline programs
- No-pressure analysis
Jumbo
High-value & luxury homesFinancing above conforming limits for premium properties, with concierge-level handling.
- Loan amounts to $30M
- Competitive structuring
- Fast underwriting
Conventional
Broadest range of buyersThe classic path with the widest options and lowest overall cost for qualified borrowers.
- Low down payment options
- Flexible terms
- Primary, second & investment
FHA Loans
First-time buyersGovernment-backed with 3.5% minimum down and flexible credit guidelines — the most accessible path for first-time buyers.
- 3.5% down minimum
- 580+ credit score
- Flexible guidelines
VA Loans
Veterans & active duty$0 down, no PMI, and competitive rates — a lifetime benefit earned through service. We'll obtain your COE.
- $0 down payment
- No PMI ever
- No loan limits (full entitlement)
Bank Statement Loans
Self-employed borrowersQualify on 12–24 months of bank deposits — no tax returns, no W-2s. Your real income, recognized.
- No tax returns required
- 12–24 month statements
- Business or personal
DSCR Investor Loans
Real estate investorsQualify on rental income alone — no W-2, no tax returns. No cap on financed properties.
- Property income qualifies
- SFR, 2–4 unit, STR eligible
- Unlimited portfolio size
5-Day HELOC
Equity-rich homeownersFully digital home equity line — no appraisal, no in-person meetings. Access your equity in as little as 5 days.
- No appraisal required
- Leaves your rate untouched
- Closes in ~5 business days
Cash-Out Refinance
Equity-rich homeownersTap your home's equity for renovations, debt consolidation, or your next investment.
- Access your equity
- Consolidate higher-rate debt
- Flexible use of funds
New Construction
Building or buying newOne-time close construction-to-perm loans for custom builds and new developments — one approval, one closing, no double fees.
- One-time close available
- Lock rate at closing
- New builds & custom homes
Second Look
Denied or stalled elsewhere?Already turned down by another lender? Send it our way — a fresh review across our 100+ lender network often finds a path.
- No-cost second opinion
- Fast turnaround
- Honest assessment
Program availability varies by state, property, and borrower qualification. This is not a commitment to lend; all loans subject to credit approval.
Not sure which fits?
That's exactly what we're here for. One quick conversation and we'll map the right path for your goals.