Agency
Conventional
Primary residence, second home and investment-property financing under Fannie Mae/Freddie Mac guidelines, subject to eligibility.
Loan programs
More than one lending box.
The program list is a toolkit—not a promise of eligibility. The right path depends on credit, income, assets, property, occupancy, loan purpose and lender guidelines.
Government
FHA
Government-insured financing often considered when down payment, credit profile or debt-to-income flexibility is important.
Government
VA
For eligible veterans, service members and certain surviving spouses; may offer 100% financing and no monthly mortgage insurance.
Government
USDA
Zero-down financing may be available for eligible borrowers and properties in qualifying rural/suburban areas.
Higher balance
Jumbo
Financing above conforming loan limits with lender-specific requirements for credit, reserves, income and property.
Investor
DSCR
Investor-focused programs that may qualify primarily from property cash flow rather than traditional personal income documentation.
Self-employed
Bank Statement
Alternative-income programs that may use business or personal bank deposits to evaluate qualifying income, subject to lender methodology.
Specialty
Non-QM
A broad category for qualified borrowers whose income, property or credit scenario does not fit standard agency guidelines.
Equity
HELOC / Home Equity
Second-lien structures that may allow a homeowner to access equity while keeping an existing first mortgage in place.
Specialty
ITIN / Foreign National
Specialty financing may be available for qualifying non-U.S.-citizen borrower profiles, depending on lender, property and documentation.
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