Loan Programs

Whatever your goal, we'll help find the right loan for you. Choose what you're working on below to see which programs fit.

Conventional

Not backed by a government agency. Great rates and flexible terms for buyers with solid credit.

Jumbo

For home prices above conventional loan limits. Financing for higher-value properties.

Large loan amounts

FHA

Backed by the Federal Housing Administration. Lower down payments and more flexible credit requirements.

Lower credit profiles

VA

For eligible veterans, service members, and surviving spouses. Often 0% down payment required.

Eligible military

USDA

Backed by the USDA for eligible rural and suburban properties. No down payment required.

Rural & suburban areas

Down Payment Assistance

Programs that help cover some or all of your down payment, making homeownership more affordable.

Affordability

HomeReady / Home Possible

Income-driven conventional programs from Fannie Mae and Freddie Mac, designed to help moderate-income buyers purchase with as little as 3% down.

As little as 3% down

Choose Your Loan Term

Pick a custom loan term - like 27 years or 24 years - instead of being limited to the standard 15- or 30-year options.

Any term, not just 15 or 30 years

Adjustable Rate Mortgage

Start with a lower fixed rate for an initial period, then adjust periodically based on market conditions.

Lower initial rate

Temporary Buydown

Start with a lower interest rate for the first year or two, then step up to your permanent rate - common structures include 3-2-1, 2-1, and 1-1 buydowns.

Lower payments early on - purchases only

Home Equity Line of Credit

A revolving line of credit secured by your home’s equity, with fixed or variable rate options.

Flexible access to equity

Home Equity Loan

Borrow a lump sum against your home’s equity with a fixed interest rate and predictable payments.

Lump sum, fixed rate

Buy Before You Sell

Purchase your next home before your current one sells - unlock equity from your current home with a 0% bridge loan, with no hard sell-by deadline.

Move on your timeline

No Income Verification

A program built for underserved and underbanked borrowers - qualify without providing income documentation or a debt-to-income calculation.

Common sense underwriting

Asset Based

Qualify using your assets - savings, investments, retirement accounts - instead of traditional income.

Asset-rich borrowers

DSCR Loan

Qualify based on a rental property’s income, not your personal income - built for real estate investors.

For real estate investors

Bank Statement

For self-employed borrowers. Qualify using bank statements instead of traditional pay stubs.

Self-employed

Wealth Builder HELOC

A first-lien HELOC that works like a mortgage and checking account in one, helping you pay down your balance faster by putting your cash flow to work.

Pay off your mortgage faster

Construction Loans

Financing to build a new home, with one-time close or two-time close options depending on your situation.

1x and 2x close options

Renovation Loans

Finance your home purchase or refinance and the cost of renovations in a single loan.

HomeStyle, CHOICERenovation, FHA 203k

Bridge Loan

Short-term financing that lets you access the equity in your current home before it sells, to help fund your next purchase.

Short-term financing

Hard Money Loans

Private money lending for renovation, construction, and investment projects, with underwriting focused on the deal itself.

For investors, fast turnaround