Loan options
Here’s a plain-language guide to what each program does and who it fits. The best way to know your options is a quick conversation.
The core programs most buyers use, from first home to forever home.
Best for: Buyers with steady income and solid credit, from first-time to move-up.
Best for: Buyers who want a lower down payment or are still building their credit.
Best for: Veterans, active-duty service members, and eligible surviving spouses.
Best for: Buyers in eligible rural and suburban areas who meet income limits.
Best for: Buyers who have the income for a payment but need help with cash to close.
For borrowers whose tax returns do not tell the whole story.
Best for: Business owners and self-employed borrowers with strong deposits.
Best for: Independent contractors and commissioned earners.
Best for: Retirees and borrowers with significant savings or investments.
Best for: Borrowers who fall just outside standard guidelines.
Financing for rentals, building, commercial property, and retirement.
Best for: Real estate investors buying or refinancing rentals.
Best for: Buyers building a home on their own land or with a builder.
Best for: Owners and investors financing mixed-use, multifamily (5+ units), and other commercial property.
Best for: Homeowners 62 and older who want to use their home equity.
Make your current loan work better for you.
Best for: Homeowners who want a lower rate, a shorter term, or to remove mortgage insurance.
Best for: Homeowners who want to renovate, consolidate debt, or invest.
Guidelines, down payment minimums, and eligibility vary by lender and change over time. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Ask me for current requirements on any program.
Tell me about your situation and I’ll narrow it down to the best few options, usually in one conversation.