Loan Programs & Financing Options

TRADITIONAL & GOVERNMENT LOAN PROGRAMS

Conventional Loans
Traditional financing for buyers with stable income and credit. Available with as little as 3% down for qualified buyers and commonly used for primary residences, second homes, and investment properties.

FHA Loans
Government-backed loans designed for buyers with lower credit scores or smaller down payments. Often ideal for first-time buyers or clients rebuilding credit. Options may be available down to a 500 credit score with higher down payment, subject to program guidelines and final underwriting.

VA Loans
Available to eligible veterans and active-duty service members. VA loans offer benefits such as zero down payment and no monthly mortgage insurance. Credit score requirements vary by lender and program and are subject to final underwriting approval.

USDA Loans
Designed for buyers purchasing in eligible rural or semi-rural areas who meet income guidelines. USDA loans offer 100% financing and are often used by families seeking affordable homeownership outside major metro areas.

DOWN PAYMENT ASSISTANCE

Down Payment Assistance Programs (DPA)
Includes both forgivable and non-forgivable grants or assistance programs designed to help eligible buyers with down payment and closing costs. Availability, terms, and eligibility vary by program and location.

REFINANCE OPTIONS

Rate-and-Term Refinance
Used to lower interest rates, adjust loan terms, or remove mortgage insurance when eligible.

Cash-Out Refinance
Allows qualified homeowners to access equity for purposes such as debt consolidation, renovations, or investment opportunities.

CONSTRUCTION & RENOVATION LOANS

New Construction Loans
Financing for building a home from the ground up under Conventional, FHA, VA, and USDA programs.

One-Time Close Construction Loans
Construction and permanent financing combined into one loan with a single closing.

Two-Time Close Construction Loans
Separate construction and permanent loans offering flexibility during the build phase.

FHA Construction Loans
Government-backed construction financing with flexible credit guidelines.

VA Construction Loans
Construction loans for eligible veterans using VA benefits.

USDA Construction Loans
Zero-down construction options for eligible rural properties.

FHA Renovation Loans (203k)
Finance purchase or refinance plus renovations into one loan.

Conventional Renovation Loans (HomeStyle / CHOICERenovation)
Renovation financing for stronger credit profiles.

USDA Renovation Loans
Finance repairs and improvements on eligible USDA properties.

VA Renovation Loans
Limited renovation options for eligible veterans.

SELF-EMPLOYED & INVESTOR LOANS

Non-QM Loans
Flexible loans for borrowers who do not meet traditional guidelines.

Bank Statement Loans
Qualify self-employed borrowers using bank statements.

Alternate Documentation Loans
Options using W-2 only, 1099 income, P&L statements, and other documentation.

DSCR Loans
Investor loans qualifying based on property cash flow.

SPECIALTY & PROPERTY-SPECIFIC FINANCING

Investment Property Loans
Financing for long-term rental properties.

Short-Term Rental Loans
Loans for Airbnb and short-term rental properties.

Fix-and-Flip Loans
Short-term financing for renovation and resale projects.

Land Loans
Financing for raw land, rural land, and acreage.

Barndominium Loans
Financing for barndominium-style homes.

Manufactured Home Loans
Loans for single-wide and multi-wide manufactured homes.

Multi-Unit Properties
Financing for duplex, triplex, and four-plex properties.

Condos & Non-Warrantable Condos
Financing options for standard and select non-warrantable condos.

Mixed-Use Properties
Financing for properties with residential and commercial use.

Commercial Loans
Loans for commercial and income-producing real estate.

Co-Op Financing
Financing for cooperative housing.

CREDIT EVENT OPTIONS

Buyers with Prior Credit Events
Options may be available for buyers with prior bankruptcy, foreclosure, or short sale, depending on recovery and underwriting guidelines.

IMPORTANT NOTE
All loan programs are subject to program guidelines, lender requirements, property eligibility, and final underwriting approval. Not all borrowers or properties will qualify for every option.