Understanding the mortgage loan you need makes all the difference.
A flexible home loan designed for buyers who may benefit from lower down payment options, more accessible qualification standards, and a path to homeownership with full documentation.
FHA loans are one of the most popular options for homebuyers who want a more accessible route into homeownership. They are often a strong fit for buyers who have steady income, limited savings for a large down payment, or credit profiles that may not be ideal for more restrictive conventional financing.
This program can be especially helpful for first-time buyers who want a payment structure that feels more manageable while still allowing them to purchase a primary residence with competitive financing and long-term stability.
Buying a primary home with steady income, workable credit, and limited funds for a large down payment.
This type of borrower may benefit from a more accessible qualification process, lower upfront cash needs, and a strong first step into homeownership.
An alternative path to homeownership for qualified buyers — including many ITIN borrowers — designed to help you move into a home now while building toward long-term financing and ownership.
The Earned Equity Program is designed for buyers who may need a more creative route into homeownership. Under this structure, the home is purchased through a governmental-entity-supported arrangement, allowing the homebuyer to live in and control the property while working toward long-term financing eligibility.
This program may be a strong fit for buyers with ITIN documentation, non-traditional income, self-employment, 1099 earnings, or strong housing history who need a more flexible qualification path than traditional programs alone may offer.
Buying a primary home with ITIN documentation, verifiable income, and a solid recent housing history, but needing a more flexible path than a traditional program alone.
This type of borrower may benefit from alternative documentation options, purchase-focused financing, and a structured path toward ownership.
A flexible loan option for buyers with solid credit, stable income, and a desire for competitive terms on a primary residence, second home, or investment property.
Conventional loans are not backed by the government and are one of the most common choices for homebuyers. They are often ideal for borrowers with stronger credit profiles and can offer low down payment options, competitive pricing, and fewer property restrictions than some other loan types.
Depending on your qualifications, you may be able to purchase with as little as 3% down. Borrowers who put 20% down can also avoid private mortgage insurance (PMI), making conventional financing an attractive option for both first-time and repeat buyers.
Buying a primary home with good credit, stable income, and savings for a 3–10% down payment.
This type of borrower may benefit from competitive pricing, lower monthly costs, and more flexible long-term financing options.
If you have the income and credit to buy a home but need help covering the down payment or closing costs, down payment assistance programs may help make homeownership possible.
For many homebuyers, the down payment is one of the biggest barriers to purchasing a home. Down payment assistance programs can help qualified borrowers bridge that gap by providing support toward upfront homebuying costs.
These programs are often paired with FHA or Conventional financing and may help with down payment funds, closing costs, or both. In many cases, assistance is structured as a second or subordinate loan with repayment terms that vary by program.
This can be a strong option for buyers who have stable income and workable credit, but need extra help getting into a home sooner rather than waiting years to save a larger amount.
First-time buyer with stable income and qualifying credit who can afford the monthly payment, but needs help with the upfront down payment and closing costs.
This type of borrower may benefit from assistance funds, lower upfront cash needs, and a faster path to homeownership.
Designed for self-employed borrowers who may not show enough income on tax returns but have strong cash flow through their bank deposits.
Bank statement loans allow borrowers to qualify using their bank deposits instead of traditional tax returns. Lenders analyze 12-24 months of deposits to determine income and affordability.
This option is popular with business owners, freelancers, and entrepreneurs who write off expenses on their taxes but maintain strong real income.
Self-employed business owner with strong monthly deposits but tax returns that show lower income due to deductions.
This borrower may benefit from bank-statement income analysis, allowing lenders to evaluate real cash flow rather than taxable income.
A flexible loan option allowing self-employed borrowers to qualify using a profit-and-loss statement rather than traditional tax returns.
Profit and Loss loans allow borrowers to qualify using a CPA-prepared or borrower-prepared profit and loss statement that reflects the financial performance of their business.
This program is ideal for borrowers whose tax returns do not fully reflect their true income due to write-offs or deductions.
Self-employed borrower whose business produces strong income but whose tax filings show reduced taxable income after write-offs.
This borrower may benefit from P&L-based income verification, allowing lenders to review the financial performance of the business instead of tax returns.
A financing option designed specifically for real estate investors, allowing qualification based primarily on the property's rental income rather than the borrower's personal income.
Debt Service Coverage Ratio (DSCR) loans evaluate the property's ability to generate income rather than focusing heavily on the borrower’s personal income documentation.
This makes DSCR loans popular among real estate investors expanding rental portfolios or purchasing cash-flowing properties.
Real estate investor purchasing a rental property that generates enough monthly rent to cover the mortgage payment.
This borrower may benefit from DSCR financing, where qualification is based primarily on the property's rental income rather than personal income.
Specialized financing options designed for manufactured and mobile homes, including programs through lenders such as Triad Financial.
Manufactured and mobile home financing requires lenders who understand the unique aspects of these properties. Specialized programs such as those offered through Triad Financial allow buyers to purchase homes located in parks or on private land.
These programs can provide flexible solutions for buyers seeking affordable housing alternatives compared to traditional site-built homes.
Buyer purchasing a manufactured home in a community or on private land who needs financing from a specialized lender familiar with these properties.
This borrower may benefit from manufactured housing loan programs designed specifically for mobile and manufactured homes.
