Loan programs
There’s more than one way to finance a home.
Twenty-one programs, grouped so you can actually find yours. Each page explains how the program works and who it fits — guidelines and pricing vary by lender, property and profile, so the specifics come from a direct review of your scenario.
Everyday Home Loans
The programs most buyers and homeowners start with — primary homes, first homes and the classics.
- Conventional LoansThe most widely used financing for primary homes, second homes and rentals.
- FHA LoansGovernment-insured financing designed to widen the path to homeownership.
- VA LoansA hard-earned benefit for eligible veterans, service members and surviving spouses.
- USDA LoansRural-designated financing for eligible properties and household incomes.
- Manufactured Home LoansFinancing for eligible manufactured and modular homes on permanent foundations.
Jumbo & High-Balance
Financing above conforming limits for higher-priced mountain, resort and metro homes.
Second Homes & Mountain Properties
The getaway you actually use — structured correctly from day one.
Condos & Resort Properties
Warrantable, non-warrantable and condotel — including the buildings other lenders pass on.
Self-Employed & Alternative Income
Qualify on how you actually earn — deposits, assets and a fuller look at your income.
Investor Financing
DSCR, long-term rentals and short-term rentals — qualify on the property, not your tax returns.
- DSCR & Investor LoansQualify rental property financing on the property's cash flow, not your tax returns.
- Investment Property FinancingPurchase and refinance financing for long-term rental real estate.
- Short-Term Rental & Airbnb FinancingFinancing that recognizes nightly rental income and resort-market realities.
Equity & What's Next
Cash-out, HELOCs, bridge, construction and reverse mortgages — financing that moves with your plans.
- Cash-Out RefinanceConvert built-up equity into usable funds with one new mortgage.
- Bridge LoansBuy the next home before the current one sells.
- HELOCs & Home Equity LinesFlexible, reusable access to your equity without touching your first mortgage.
- Construction LoansFinancing for building new, or for a renovation the current home can't support.
- Reverse Mortgage / HECMFor eligible homeowners age 62+ who want to use home equity with more flexibility in retirement.
Let’s make it happen.
Tell me what you’re working on.
Every loan is different. Tell me a little about the property, what you're trying to accomplish and where you're getting stuck — and we'll figure out the next step.
Start the conversation