Loan options for every goal
Conventional, FHA, VA, jumbo, DSCR, bank-statement, and commercial financing — with wholesale access to 150+ lenders. One conversation, and we find the program that actually fits you.
Find the loan that fits your situation
There is no single “best” loan — only the best loan for you. Your credit, income type, down payment, property, and goals all point to a different program. Here are the main paths, and what each one is genuinely good at.
Conventional
The default for strong credit and steady income. Mortgage insurance drops off once you reach 20% equity — often the lowest long-term cost.
- As little as 3–5% down
- Primary, second home, or investment
- MI cancels at 20% equity
- Best long-term cost for strong profiles
FHA
Built for buyers whose credit or savings are still growing. Flexible qualifying and a low down payment.
- 3.5% down with qualifying credit
- More forgiving credit guidelines
- Gift funds allowed
- Great first-home path
VA
For eligible veterans, active-duty, and some surviving spouses — usually the strongest terms available anywhere.
- Often 0% down
- No monthly mortgage insurance
- Flexible qualifying
- A benefit you earned — use it
Jumbo
Financing above the conforming limit for higher-value homes, with structures tailored to your profile.
- Higher loan amounts
- Stronger credit & reserves typical
- Interest-only options with some investors
- Tailored structuring
DSCR / Investor
Qualify on the rent the property produces instead of your tax returns — the fastest way to scale a rental portfolio.
- No personal income docs
- Qualify on rental income
- Close in an LLC
- Ideal for building a portfolio
Bank Statement
For self-employed borrowers whose tax returns do not show their real income. Qualify on deposits instead.
- 12–24 months of deposits
- No tax returns required
- Built for business owners
- Often qualifies you for more
Commercial
Multifamily, mixed-use, retail, industrial, and SBA 7(a)/504 for owner-users.
- 5+ unit multifamily
- Mixed-use & retail
- SBA 7(a) / 504
- Structured around the deal
Fix & Flip / Hard Money
Short-term, asset-based financing that moves fast when the deal cannot wait.
- Funded on the deal, not your W-2
- Fast closings
- Renovation budgets
- Bridge to permanent financing
How it works
Talk
We map your goals, income type, and timeline — 15 minutes.
Compare
I shop 150+ lenders and show you the programs that genuinely fit.
Pre-Approve
You get real buying power in writing, not a guess.
Close
I handle the heavy lifting through underwriting to keys.
Common questions
Which loan is right for me?
It depends on how you earn income, your credit, your down payment, and the property. A W-2 buyer with strong credit usually lands on conventional; a self-employed borrower often does far better on a bank-statement loan; an investor scaling rentals is usually best served by DSCR. That is exactly the conversation to have before you shop — it takes about 15 minutes and costs nothing.
What credit score do I need?
It varies by program. FHA is the most forgiving, conventional generally wants a bit more, and jumbo and investor programs typically want stronger profiles. Even if your credit is not where you want it, there are usually options — and a free credit-strategy review can often move you into a better program before you apply.
How much do I need for a down payment?
Often far less than people assume. VA can be 0% for eligible borrowers, FHA starts at 3.5%, and many conventional loans start at 3–5%. First-time buyers may also qualify for down-payment-assistance programs. Gift funds are allowed on most primary-residence programs.
I am self-employed and my tax returns look low. Can I still qualify?
Yes — this is one of the most common situations I solve. Bank-statement loans let you qualify using 12–24 months of business or personal deposits instead of tax returns, which usually reflects your real income far more accurately than a return you legitimately wrote down.
Can I buy an investment property without showing my income?
Yes. A DSCR loan qualifies you on the rental income of the property rather than your personal income, and you can typically close in an LLC. It is the standard tool for investors building a portfolio.
Not sure which program fits?
That is the whole point of a conversation. Tell me your situation and I will show you the options — honestly, including the ones that do not make me money.