Loan programs

Understand who a program may fit before drowning in the fine print.

Every option below is a starting point for a fuller review. Eligibility, pricing, property, occupancy, documentation, and program availability still matter.

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Important context

A program name is not a recommendation.

The right next step is a compliant review of the full scenario, alternatives, cost, and risks.

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No guaranteed rate or savings

Program requirements and availability vary

Understand who a program may fit before drowning in the fine print.

01ConventionalA flexible mainstream option for many primary, second-home, and investment purchases.

02FHAA government-insured path with flexible qualifying features for eligible borrowers.

03VAA benefit-backed mortgage option for eligible service members, veterans, and qualifying surviving spouses.

04USDAA rural-development option that may offer no-down-payment financing for eligible homes and households.

05First-Time HomebuyersA strategy—not one single loan—built around education, payment comfort, and available programs.

06Down Payment AssistanceLocal or program-specific help that may reduce eligible upfront funds.

07JumboFinancing for loan amounts above conforming limits, with lender-specific guidelines.

08Renovation / FHA 203(k)Financing that may combine an eligible purchase or refinance with qualified renovation costs.

09Investment Property LoansFinancing strategies for rental-property purchases and refinances.

10DSCRAn investment-property option that emphasizes property cash flow rather than personal employment income.

11Bank Statement LoansAn alternative-documentation path for eligible self-employed borrowers.

12Self-Employed BorrowersA strategy-led review of conventional and alternative documentation options.

13ITIN / Foreign NationalSpecialty options for eligible borrowers without a Social Security number or standard U.S. credit profile.

14Home Equity / Cash-Out RefinanceReplace an existing mortgage with a larger one and receive eligible equity proceeds.

15Rate-and-Term RefinanceChange the rate, term, or loan structure without primarily taking cash out.

16FHA StreamlineA simplified refinance path for some existing FHA borrowers when program requirements are met.

17VA IRRRLA streamlined VA refinance option for eligible borrowers with an existing VA loan.

18Reverse MortgageAn age- and property-dependent option that may convert eligible home equity into proceeds without a required monthly principal-and-interest payment.

A program name is not a recommendation.