Loan Programs
We don't push products. We diagnose your situation and match you to the right loan from 100+ wholesale lenders. Here's what's available.
Find My Mortgage FitRate Structures
Your rate never changes, ever. The most common structure for buyers who want predictability and plan to stay in their home long-term.
Starts lower than a fixed rate for an initial period, then adjusts with the market. Smart when you plan to sell or refinance before the adjustment window.
Pay only the interest for an initial period, keeping payments lower while you build equity elsewhere. Common in Non-QM and investor scenarios.
Payments start lower and increase over time — designed for borrowers whose income is expected to grow. Less common but useful in the right situation.
Loan Programs
Insured by the Federal Housing Administration. Lower down payment requirements and more flexible credit guidelines make this the go-to program for first-time buyers.
Guaranteed by the Department of Veterans Affairs. Zero down, no PMI, competitive rates, and a benefit you've earned. We do zero-overlay underwriting.
Not government-backed, but highly flexible. Best for borrowers with strong credit and 5–20% down who want competitive pricing without government fees.
Government-backed loans for eligible rural and suburban properties. Zero down payment with competitive rates for qualifying borrowers and areas.
For properties above the conforming loan limit ($766,550). We access portfolio jumbo lenders who price these competitively without the big-bank markup.
Don't fit a standard income box? Bank statement loans, P&L loans, DSCR investment loans, and asset-based programs built for real-world financial situations.
Access the equity you've built without refinancing your first mortgage. We run the blended rate math to find the smartest path.
For homeowners 62+ who want to convert a portion of home equity into cash — without selling. We explain the math, the risks, and the right scenarios clearly.
Schedule a free 20-minute consultation. No credit pull. No forms. Just an honest conversation about what makes sense for your goals.