Popular Loan Options
Mortgage programs vary depending on your financial situation, credit profile, and the type of property you're purchasing. The programs below represent some of the common mortgage options available in today's lending market, depending on borrower qualifications and loan guidelines.
FHA Loans
Great for first-time buyers. Lower down payments and flexible credit requirements make homeownership more accessible — even if your credit isn't perfect.
First-Time BuyersConventional Loans
Flexible terms and competitive rates for buyers with solid credit. Great for purchases, refinancing, and second homes.
All BuyersVA Loans
Exclusive benefits for eligible veterans and active service members, including no down payment options, no PMI, and competitive interest rates.
Veterans & MilitaryJumbo Loans
Financing for higher-value properties that exceed standard conforming loan limits. Tailored terms for luxury and high-cost area purchases.
High-Value PropertiesSpecialist Loans for
Self-Employed Borrowers
Traditional lenders often rely heavily on tax returns to verify income. For self-employed borrowers, there are alternative programs that take a more flexible approach to qualification.
Bank Statement Loans
Qualify using 12–24 months of business or personal bank statements instead of traditional tax return income calculations.
Bank Statements OnlyProfit & Loss Only Loans
Some loan programs allow self-employed borrowers to qualify using a Profit & Loss statement prepared by a tax professional, rather than relying solely on personal tax returns.
P&L StatementNo Tax Return Loans
Alternative income verification methods — including bank statements and assets — may be used for borrowers who cannot document income through standard tax returns.
Alternative Income DocsFinancing for
Real Estate Investors
Loan programs designed specifically for investment properties, where qualification is based on the property's income potential rather than your personal income.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans let you qualify based on the rental income of the property — not your personal income or tax returns. Ideal for investors who own multiple properties or are self-employed. As long as the property's rental income covers the mortgage payment, you may qualify.
Investment Properties