Loan Program Library

Standard conforming loans backed by Fannie Mae / Freddie Mac. No upfront MIP, PMI can be removed, available for primary, secondary, and investment properties.

Government-backed loan ideal for first-time buyers or buyers with lower credit scores. Allows gifts for down payment and has flexible guidelines.

Exclusive benefit for eligible veterans, active duty, and surviving spouses. No down payment, no PMI, and competitive rates.

Debt Service Coverage Ratio loans qualify based on rental income, not personal income. No tax returns or employment required — perfect for real estate investors.

Income is stated by the borrower — no tax returns or pay stubs required. No mortgage insurance (MI). Intended for self-employed borrowers or those with alternative income documentation.

Qualifying income based on a Profit & Loss statement prepared by a CPA or licensed accountant. No tax returns needed. No MI. Ideal for business owners whose write-offs reduce taxable income.

Loans above conforming limits ($766,550 standard / $1,149,825 high-cost). For high-value properties with competitive rates and flexible terms.

Qualify using 12-24 months of bank statements instead of tax returns. Ideal for self-employed buyers whose write-offs reduce their qualifying income on paper.

State and local programs offering grants or silent 2nd loans to cover down payment and closing costs. Can be combined with FHA or Conventional.

Qualify using liquid assets instead of income. Lender divides asset balance over loan term to calculate qualifying income. Great for retirees and high-net-worth buyers.

Short-term loans for investors, fix-and-flip, or bridge financing when traditional financing isn't available or fast enough. Asset-based underwriting.