Find the Right Loan for Your Situation
Whether you're a W-2 employee, self-employed, an investor, or buying from abroad — we have a loan program for your situation. Unlike single-program lenders, we match you to the best option across all our programs.
Traditional Loans
Traditional mortgage programs with proven track records
Conventional
As low as 3% down | 620+ FICO | Up to 97% LTV
Traditional financing with competitive rates. Best for buyers with good credit and stable income.
Learn More →FHA
3.5% down | 580+ FICO | Flexible DTI
Government-backed loans with lower down payment and credit requirements. Great for first-time buyers.
Learn More →VA
0% down | No PMI | For veterans
Zero down payment and no mortgage insurance for eligible veterans and active-duty military.
Learn More →Jumbo
Above conforming limits | Competitive rates
Financing for high-value properties that exceed conforming loan limits.
Learn More →Non-QM & Specialty Loans
Solutions for Self-Employed, Investors & Non-Traditional Borrowers
Bank Statement Loans
Qualify using your bank deposits, not tax returns
- Min 620 FICO, up to 90% LTV
- 12 or 24 months, business or personal
- Loan amounts up to $4M
- Non-permanent residents eligible
- 50% standard expense ratio (10% with accountant letter)
DSCR Investor Loans (1-4 Units)
Qualify based on property rental income, not personal income
- Min 620 FICO, up to 80% LTV
- No personal income documentation needed
- AirDNA & short-term rental income accepted
- Loan amounts up to $3.5M
- Vacant and rural properties allowed (up to 20 acres)
Foreign National
Own U.S. property without a U.S. credit history
- No FICO required (or 680+), up to 80% LTV
- No visa required, ITIN borrowers accepted
- No credit reference letters needed
- Bank statement and P&L options available
- Loan amounts up to $2M
P&L Only (Profit & Loss)
A signed P&L statement is all you need
- Min 660 FICO, up to 80% LTV
- No bank statements required
- 12 or 24 months accepted
- CPA, EA, or CTEC can sign
- Loan amounts up to $3M
1099 Only
For independent contractors and freelancers
- Min 620 FICO, up to 90% LTV
- 1 or 2 years of 1099s or transcripts
- Loan amounts up to $4M
- Cash-out used for reserves
DSCR (5-8 Units & Mixed Use)
Scale your investment portfolio
- Min 700 FICO, up to 75% LTV
- Min DSCR of 1.0
- Commercial space under 50% allowed
- Loan amounts up to $2M
Asset Utilization
Use your assets instead of income to qualify
- Min 640 FICO, up to 85% LTV
- 100% of liquid assets, 70% of investments
- Divided by 84 months
- Loan amounts up to $4M
Employment Verification Only
Qualify with just an employer verification letter
- Min 660 FICO, up to 80% LTV
- Employer verification letter only
- Loan amounts up to $3M
Multi-Property (2-25 Properties)
Bundle 2 to 25 properties in a single loan
- Min 660 FICO, up to 70% LTV
- Min DSCR of 1.2
- 2 to 25 properties
- Minimum $50K balance per property
- Cash-out up to 65% LTV
Second Lien Loan
Keep your low first mortgage rate and tap your equity with a second lien
- Min 660 FICO, up to 90% CLTV
- Loan amounts up to $500K
- Multiple income doc types accepted
- Primary, second homes, and investment
- Ideal for homeowners with significant equity and a low interest rate on their first mortgage. Instead of refinancing and losing your rate, add a second lien to access cash.
Quick Comparison
Key differences between popular loan types
| Feature | Conventional | FHA | VA |
|---|---|---|---|
| Min. Down Payment | 3% | 3.5% | 0% |
| Min. Credit Score | 620 | 580 | 620 |
| Mortgage Insurance | Until 20% equity | Life of loan* | None |
| Best For | Strong credit | First-time buyers | Veterans |
*FHA MIP rules vary. Contact us for details on your specific situation.
For self-employed and investor programs, qualification criteria vary significantly. Contact us for a personalized assessment.
Not Sure Which Loan Is Right for You?
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