Sunlit entryway of a home with the front door open onto a garden path

Loan Programs

Where big banks see a checklist, we see options.

No two borrowers are the same. Your financing shouldn’t be one-size-fits-all. From everyday mortgages to specialized loan programs, we help you find an option that fits your income, property, and goals.

Standard & Government Loans

  • Conventional

    A versatile mortgage option for buying or refinancing a home.

  • FHA

    A path to homeownership with a smaller down payment and flexible credit requirements.

  • VA

    Mortgage benefits for eligible veterans, service members, and surviving spouses.

  • USDA

    Home financing for eligible buyers and properties in qualifying rural areas.

  • Jumbo Loan

    Larger loan amounts for financing beyond conforming limits.

  • Down Payment Assistance

    Extra support to help eligible buyers manage upfront homeownership costs.

Self-Employed & Alternative Income

  • Bank Statement

    Your deposits tell your income story — no tax returns needed to qualify.

  • Profit & Loss

    Use a qualifying business profit-and-loss statement to document income.

  • Written Verification of Employment

    An alternative way to document earnings through employer verification.

  • One-Year Tax Return

    Newer to self-employment? Just one year of returns may be enough.

  • 1099

    Built for gig workers and contractors, using the income your 1099s already report.

  • Asset Utilization

    Turn eligible savings and investments into qualifying income, even without traditional employment.

  • No Income / No Employment Verification

    Qualify on the strength of the property and your profile, without documenting a job or income.

Investor & Rental Financing

  • DSCR 1–4 Units

    Let the rent do the talking — approval hinges on the property’s cash flow, not your personal income.

  • DSCR 5–8 Units

    The same rent-based approach, designed for 5- through 8-unit buildings.

  • Fix & Flip

    Fast, short-term money to buy, renovate, and sell for a profit.

  • Interest Only

    Keeping required monthly payments lower, with the option to pay extra toward principal.

Home Equity & Second Liens

  • Cash-Out Refinance

    Replace your remaining mortgage with a larger loan and receive the difference in cash.

  • HELOC

    A revolving line of credit you draw from your home’s equity as needed.

  • 2nd Mortgage

    Borrow against your equity while keeping your existing first mortgage in place.

Special-Situation Financing

  • 3-2-1 Buydown

    Ease into your mortgage with temporarily reduced payments during the first three years.

  • 40-Year Term

    Lower monthly payments by extending your loan to a full 40 years.

  • Bridge Loan

    Temporary financing to help you move between property transactions.

  • Recently Listed for Sale

    Refinance or pull equity even if the home was recently listed for sale.

  • No Seasoning on Title

    Refinance without the usual waiting period after taking title.

  • Prior Bankruptcy or Credit Event

    Get back on track to homeownership — often sooner than the traditional waiting period requires.

  • Notice of Rescission (Post-NOD)

    Financing after a rescinded default notice filed within the past 12 months.

Non-Traditional Borrowers & Properties

  • Foreign National

    Mortgage solutions for eligible international buyers investing in U.S. real estate.

  • ITIN

    Homeownership for borrowers who file taxes with an ITIN rather than an SSN.

  • Non-Warrantable Condos

    Coverage for condos that fall outside the usual lender rulebook.

  • Condotel

    Financing for resort-style condo-hotel units that most lenders won’t consider.

Our Lending Partners

A Wider Network. A Better-Fitting Loan.

We shop your loan across a wide network of mortgage lenders to find options that fit your needs — rather than limiting you to a single lender’s products.

  • UWM
  • Acra
  • Amerihome
  • AmWest
  • Arc Home
  • Ardri
  • Blue Point
  • Carrington
  • Champions Funding
  • Change Wholesale
  • CMG
  • The Loan Store
  • Freedom Mortgage
  • Gold Star
  • Jet Mortgage
  • Kiavi
  • Kind Lending
  • LenderMAC
  • LendSure
  • Loan Stream
  • Logan Finance
  • Nations Direct
  • NMSI
  • Open Wholesale
  • PennyMac
  • Plaza
  • PRMG
  • Rocket Mortgage
  • Sierra Pacific Mortgage

Let’s Find Your Way Home.

A quick, friendly conversation is all it takes. Whatever your situation, there’s a good chance a program fits — let’s find it together.

Book a free consultation

Program descriptions are general summaries for informational purposes only and do not constitute commitments to lend or offers of credit. Availability, terms, rates, and eligibility requirements vary by borrower, property, and program. All loans are subject to underwriting approval. Julie Linh Harrill - NMLS #2290070 || Lone Mortgage - NMLS #328524 || Equal Housing Opportunity.