Conventional
A familiar, flexible path for qualified first-time and repeat buyers.
Worth exploring for
Ask Frank about this path First-time or repeat buyers comparing down payment, mortgage insurance, and term options.
Loan options
The right loan fits the full picture.
Compare common purchase, investment, and flexible documentation paths. Frank will help you understand which options are worth a closer look.
Apply nowCompare the paths
Program names are a starting point. Payment, cash needed, property, documentation, and long-term tradeoffs decide whether the structure actually fits.
FHA
A government-backed path with flexible qualification guidelines for eligible borrowers.
Worth exploring for
Ask Frank about this path Buyers who want to compare lower down-payment possibilities and FHA's defined mortgage-insurance structure.
VA
A powerful option for eligible veterans, service members, and qualifying surviving spouses.
Worth exploring for
Ask Frank about this path Eligible borrowers who want to understand zero-down possibilities, entitlement, and property requirements.
DSCR
A rental-property path that looks primarily at property income relative to housing expense.
Worth exploring for
Ask Frank about this path Qualified investors purchasing or refinancing non-owner-occupied property.
Bank Statement
An alternative income-documentation path using qualifying deposits.
Worth exploring for
Ask Frank about this path Qualified business owners and self-employed borrowers whose cash flow is clearer in bank statements.
Non-QM
Programs outside standard agency guidelines for qualified borrowers with a different financial story.
Worth exploring for
Ask Frank about this path Self-employed, investor, high-net-worth, or otherwise complex borrower profiles.
Jumbo
Financing for qualified purchases above applicable conforming loan limits.
Worth exploring for
Ask Frank about this path Higher-value purchases that require a deliberate reserve, documentation, and property strategy.
Specialized Asset-Based
Options that may focus more heavily on the property, assets, or investment profile.
Worth exploring for
Ask Frank about this path Certain qualified investment or high-net-worth scenarios that need specialized review.
Not sure where you fit?
You do not have to diagnose your own mortgage.
Start with the goal, property, and financial picture. Frank will help identify the next useful conversation.
Help me chooseQuestions worth asking
Compare more than the rate.
Which loan has the lowest down payment?
It depends on eligibility, property type, location, and the full loan profile. FHA, VA, and some conventional programs can offer lower down-payment paths.
Can I compare more than one program?
Yes. Comparing payment, cash needed, documentation, and long-term tradeoffs is often more useful than choosing by rate alone.
Is this a commitment to lend?
No. Program availability and approval depend on complete underwriting, documentation, property, and current guidelines.