Loan Programs

Every borrower is different. I'll help you find the program that actually fits your situation, budget, and goals.

Here's what I'd do if I were you: don't try to pick a loan program on your own. Call me, tell me your situation, and I'll match you with the right one. But if you want to start exploring, here's an overview of each program I offer. Click any card to learn more about that loan.

Conventional

Popular

The standard choice for buyers with good credit and steady income. Flexible terms and competitive rates.

Min Down

3%

Credit

620+

No upfront mortgage insurance with 20% down
Flexible term options (15, 20, 30 yr)
Available for primary, second homes & investment

FHA

Popular

Government‑backed loans designed for first‑time buyers and those with lower credit scores.

Min Down

3.5%

Credit

580+

Lower credit requirements
Gift funds allowed for down payment
Competitive rates even with lower scores

VA

Exclusive loans for veterans, active military, and eligible spouses—with outstanding benefits.

Min Down

0%

Credit

580+

Zero down payment required
No private mortgage insurance (PMI)
Competitive rates and limited closing costs

Jumbo

For properties that exceed conventional loan limits. Ideal for luxury homes and high‑cost markets.

Min Down

10%

Credit

700+

Finance higher‑priced properties
Competitive rates for well‑qualified buyers
Various term and structure options

DSCR - Debt Service Coverage Ratio

Designed for investors and self-employed borrowers who don't fit traditional qualification criteria.

Min Down

15–25%

Credit

660+

Qualify on rental income (DSCR)
No traditional income docs required
Great for real estate investors

Stated Income (Non-QM)

Income is stated by the borrower — no tax returns or pay stubs required. Ideal for self-employed borrowers with strong assets and alternative income documentation.

Min Down

10%

Credit

660+

No tax returns or pay stubs required
Income stated by borrower
No mortgage insurance (MI)
Great for self-employed borrowers

P&L Statement (Non-QM)

Qualifying income based on a Profit & Loss statement prepared by a CPA or accountant. No tax returns needed. Perfect for business owners whose financials are documented through P&L.

Min Down

N/A

Credit

620+

Qualify using P&L statement (CPA-prepared)
No tax returns required
No mortgage insurance (MI)
Great for business owners and entrepreneurs

Bank Statement

Use 12–24 months of bank statements instead of tax returns. Perfect for self‑employed professionals.

Min Down

N/A

Credit

620+

No tax returns needed
Use personal or business bank statements
Ideal for business owners and freelancers

HELOC

A revolving line of credit secured by your home equity. Draw funds as needed and only pay interest on what you use.

Min Down

20%

Credit

650+

Flexible draw and repayment periods
Only pay interest on drawn amount
Great for ongoing expenses or renovations

HELOAN

Tap into your home equity with a lump-sum second mortgage at a fixed rate — ideal for large one-time expenses.

Min Down

20–30%

Credit

Flexible

Fixed rate and fixed monthly payment
Lump-sum disbursement upfront
Predictable payoff timeline

Bridge Loan

Short-term financing that bridges the gap between buying a new home and selling your current one.

Min Down

20–35%

Credit

650+

Buy before you sell
Fast closings
Flexible short-term terms (6–12 months)

Hard Money

Asset-based lending for investors who need fast capital — ideal for fix-and-flip and time-sensitive deals.

Min Down

20%

Credit

660+

Fast approval and funding
Qualify on property value, not income
Perfect for fix-and-flip investors

Commercial Real Estate

Financing for income-producing properties including office, retail, multifamily, and mixed-use buildings.

Min Down

20%

Credit

660+

Multifamily, retail, office & mixed-use
Various term structures available
DSCR-based qualification options

Not sure which program fits?

Call or text me—I'll walk you through your options in minutes.

⌂ Equal Housing Lender · NMLS 1516822 · DRE 02119735