Standard Qualifying Loans
FHA Home Loans
Conventional Home Loans
Conventional Home Loans
FHA home loans are popular among first-time homebuyers due to low down payment and credit requirements.
Conventional Home Loans
Conventional Home Loans
Conventional Home Loans
A conventional (fixed-rate mortgage) is a popular type of home financing because it offers predictability for your budget.
VA Loans
Conventional Home Loans
VA Loans
Thank you Veterans! The VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Non-Qualifying Loan Options
DSCR
A DSCR loan is a measure of the cash flow a borrower has to pay against current debt obligations for an investment property. A DSCR loan is a type of non-QM loan used by real estate investors to help them qualify for a loan based on their property’s cash flow, without having to verify personal income.
BANK STATEMENT (SELF EMPLOYED)
What is a bank statement loan? Bank statement loans allow self-employed borrowers to apply for a home loan without having to provide pay stubs and W-2’s from the past two years of employment.
1099 (SELF EMPOLYED)
A 1099 income loan is for self-employed or independent contract workers who have difficulty qualifying for a conventional mortgage loan. Lenders look at income from a 1099 instead of tax returns.
FIX & FLIP
A fix and flip loan is short-term financing that real estate investors use to buy and renovate a property in order to resell it for a profit, a process known as house flipping
NO INCOME VERIFICATION LOAN
A no doc mortgage is often referred to as a no-income verification mortgage. As the name implies, this type of loan does not require a lender to verify how much you earn. These are also sometimes called NINJA mortgages, which stands for no income, no job or assets.
JUMBO
A jumbo loan is a type of conventional loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA) for Fannie Mae and Freddie Mac. In 2023, single-family mortgages with balances higher than $726,200 in most U.S. counties (and $1,089,300 in high-cost areas) will be considered jumbo.