Every loan path.One clear story.

Conventional purchase

Conforming fixed and adjustable loans for primary homes, second homes, and investment properties when credit and reserves support them.

High-balance conventional

Higher loan limits in designated high-cost counties without jumping into full jumbo underwriting.

Jumbo

Financing above conforming limits for higher-priced homes, with reserve and documentation standards set by the investor.

FHA

FHA-insured loans designed for buyers who need a lower down payment or more flexible credit guidelines.

VA

For eligible veterans, active-duty service members, and certain surviving spouses. Often zero down and no monthly mortgage insurance.

USDA

Zero-down financing for income-eligible buyers purchasing in eligible rural and many suburban areas.

Rate-and-term refinance

Replace an existing mortgage to change the rate, term, or loan type without taking cash beyond closing costs.

Cash-out refinance

Tap home equity in a new first mortgage for improvements, debt consolidation, or reserves — within program LTV caps.

FHA streamline & VA IRRRL

Reduced-documentation refinances for borrowers already in an FHA or VA loan, when the new loan meets the benefit test.

Two-close construction

A short-term construction note, then a separate permanent mortgage after the certificate of occupancy. Useful when the build timeline or product needs to stay flexible.

Spec & custom OTC

One-time close structures for owner-builder and custom contracts, and for buyers purchasing a spec home still under construction.

FHA 203(k)

Finance the purchase or refinance of a home plus the cost of rehabilitation in one FHA-insured loan.

HomeStyle renovation

Fannie Mae renovation financing that rolls improvements into a conventional first mortgage.

DSCR investor

Qualify investment properties primarily on rental cash flow rather than personal tax returns.

Bank-statement & non-QM

For self-employed borrowers whose tax returns do not reflect the income the business actually produces.

Bridge

Short-term financing to buy the next home before the current one sells, or to carry a property through a brief transition.

HELOC

A revolving line secured by your home. Draw during the term, then repay — useful for staged projects.

Home equity loan

A closed-end second mortgage with a fixed amount and a set payment, instead of a revolving line.

Reverse mortgage (HECM)

For homeowners 62 and older who want to convert equity into proceeds while remaining in the home. Counseling is required.

Manufactured housing

Financing for HUD-code manufactured homes on owned land, subject to foundation, title, and age guidelines.