Our Loan Options

Low-down-payment mortgage options and potential grants or subordinate assistance for qualified first-time and eligible returning homebuyers.

Versatile fixed- and adjustable-rate financing for eligible primary homes, second homes, investment properties, refinances, renovations, and new construction.

Flexible government-insured financing for eligible homebuyers and homeowners, including purchase, refinance, renovation, construction, manufactured-home, and adjustable-rate options.

Specialized home financing for eligible Veterans, service members, National Guard and Reserve members, and qualifying surviving spouses.

Potential no-down-payment, fixed-rate financing for qualified borrowers purchasing or refinancing eligible primary residences in USDA-approved areas.

Specialized financing for higher-value properties and mortgage amounts above the applicable conforming loan limit.

Alternative-documentation and expanded-criteria mortgage options for eligible self-employed borrowers, investors, and borrowers outside standard agency guidelines.

Mortgage options for eligible borrowers who use an Individual Taxpayer Identification Number instead of a Social Security number.

Specialized U.S. real-estate financing for eligible foreign citizens using approved foreign or U.S. credit, income, assets, and property cash flow.

Business-purpose financing that may qualify an investment property primarily through eligible rental income rather than the borrower's traditional personal debt-to-income ratio.

Short-term and transitional business-purpose financing for qualified real-estate investors acquiring, renovating, constructing, stabilizing, or repositioning property.

Financing for eligible new-home construction, land and lot acquisition, major renovation, rehabilitation, additions, manufactured or modular installation, and investor projects.

Financing for eligible manufactured, modular, and factory-built homes, including land-home packages, permanent foundations, construction, installation, and select chattel options.

Financing for eligible warrantable condos, non-warrantable projects, co-ops, condotels, new developments, second homes, and investment units.

Mortgage options for eligible vacation homes and second residences, including conventional, jumbo, Non-QM, bank-statement, ITIN, foreign-national, refinance, and equity programs.

Owner-occupied and investment financing for eligible duplexes, triplexes, fourplexes, accessory units, and small residential rental properties.

Refinance options to change a mortgage rate, term, structure, ownership, or access eligible equity through conventional, government, jumbo, Non-QM, and investment programs.

Revolving credit lines secured by eligible home equity, including first- and second-lien, variable-rate, fixed-rate-segment, bank-statement, investment, and second-home options.

Closed-end loans secured by eligible home equity, including fixed-rate home-equity, standalone second, piggyback, bank-statement, Non-QM, investment, and second-home options.

Home-equity solutions for qualifying older homeowners, including FHA-insured HECM purchase, refinance, line-of-credit, monthly-advance, and proprietary jumbo options.

Understand fixed rates, adjustable rates, temporary buydowns, discount points, lender credits, interest-only payments, balloon terms, assumptions, and rate locks.

Specialized residential mortgage solutions for eligible professionals, community borrowers, Native borrowers, unique ownership structures, affordable housing, and transactions outside standard product boxes.

Specialized financing and servicing paths for eligible mortgage assumptions, divorce or co-owner buyouts, inherited property, family transfers, gift of equity, recasting, and lien subordination.

Financing for eligible rural homes, acreage, hobby farms, manufactured and modular homes, log homes, off-grid properties, waterfront homes, and other non-standard residential properties.