Loan Options

Every buyer’s story is different. As an independent mortgage brokerage, we work with multiple lenders to match you with the right loan, not just the first one that fits. Explore the loan types below, then reach out for a personalized quote.

How We Help You Choose

There’s no need to memorize every program—that’s our job. When you connect with us, we’ll:

Review your goals (buy, refi, invest, cash-out, etc.)
Look at your credit, income, and timeline
Compare options across our lender network
Show you clear numbers: payment, cash to close, and total cost

You’ll walk away knowing which loan type makes the most sense and why.

Conventional

Best for: borrowers with steady income and decent credit.

Conventional loans are the most common type of mortgage and offer:

Flexible down payments (as low as 3% for eligible buyers)
Options to remove mortgage insurance with enough equity
Financing for primary homes, second homes, and investment properties

If you have established credit and some savings for a down payment, a conventional loan may be your most cost-effective option.

👉 Good fit? Let’s review your numbers and see what conventional looks like for you.

FHA Loans

Best for: first-time buyers or those with lower credit scores or smaller down payments.

FHA loans are backed by the Federal Housing Administration and are designed to be more forgiving:

Low down payment options
Flexible credit requirements
Gift funds allowed for down payment in many cases

If your credit isn’t perfect or you’re just getting started, an FHA loan might be the key to getting into a home sooner.

VA Loans

Best for: eligible Veterans, active-duty service members, and some surviving spouses.

VA loans are one of the most powerful benefits available:

Often no down payment required
No monthly mortgage insurance
Competitive, often lower, interest rates
Flexible credit guidelines

If you’ve served, you’ve earned this benefit. We’ll help you understand your eligibility and how much you can qualify for.

Jumbo Loans

Best for: higher-priced homes above standard loan limits.

Jumbo loans are designed for larger loan amounts and may offer:

Financing for luxury or high-cost homes
Options for primary, second homes, and investment properties
Tailored underwriting based on your full financial picture

We’ll help you structure a jumbo loan that fits your income, assets, and long-term plans.

Non-Qualified (Non-QM) Loans

Best for: self-employed, investors, and anyone who doesn’t fit the traditional mold.

Non-QM loans offer flexibility when tax returns don’t tell the whole story. These include:

DSCR (Debt Service Coverage Ratio) Loans

Designed for real estate investors.

With DSCR loans, approval is based mainly on the property’s rental income compared to the mortgage payment—not your personal income.

- Great for building a rental portfolio

- Often allows properties titled in LLCs

- Can work even if you own multiple financed properties

Bank Statement Loans

Ideal for self-employed borrowers and business owners.

Instead of tax returns, we use your personal or business bank statements to calculate qualifying income.

Perfect if write-offs make your taxable income look low
Works well for entrepreneurs, freelancers, and 1099 professionals

Stated / Alternative Documentation Programs*

For specific scenarios where income is documented in non-traditional ways.

May rely on assets, bank activity, or other documentation
Typically for experienced borrowers with strong reserves and equity

All loans must meet current lending and regulatory requirements, including a documented ability-to-repay. Program availability and guidelines can change. We’ll walk you through what’s currently available and what fits your profile.

Request a Consultation

You don’t have to know which program you need—you just need to start the conversation. We’ll review your situation and lay out your best options in plain language so you can decide with confidence.