Conventional
Fixed or adjustable-rate mortgages with flexible terms. Ideal for borrowers capable of putting down 3% or more.

FHA
Allows down payments as low as 3.5% and accepts higher debt-to-income ratios, making it a great choice for borrowers with less than perfect credit.

VA
Provides 100% financing with no down payment required for eligible Service Members and Military Families.

USDA
Offers up to 100% financing for qualified buyers in designated rural areas.

Jumbo
Designed for high-cost homes, these loans offer flexible options with as little as 10% down and no mortgage insurance required.

Good Neighbor Next Door
Eligible teachers, first responders, and law enforcement can buy select homes at 50% off in revitalization areas, just by committing to live there for 3 years.

FHA HUD $100 Down
Eligible buyers can purchase a HUD-owned property with as little as $100 down when using FHA financing.

Section 184
Exclusive financing for properties on Native American land, available to enrolled members of federally recognized tribes.

HECM**
FHA product, 62+ years old, provides access to equity on primary residences

Jumbo and Proprietary
Available to borrowers aged 55 and older, this program offers loan amounts up to $4 million. Ideal for those with higher-value homes seeking access to equity

Fixed Rate 2nd
For homeowners 55 and older with an existing first mortgage in good standing. This secondlien loan allows access to additional equity without refinancing the primary mortgage.

HomeSimple
Cash-backed solution for clients who need to buy before they sell. HomeSimple purchases the home upfront, and the client finances with an AWM loan.

Bridge to Sale
Assists homeowners in transitioning to a new home by leveraging the equity in their current property before it’s sold.

Combine lot purchases and construction expenses into one streamlined loan. Available for Conventional, USDA, VA, and FHA programs, with the option to lock in your interest rate upfront. Stickbuild, manufactured and modular also eligible.

HomeReady
A low down payment option designed for creditworthy low-to-moderate income borrowers.

Home Possible
Flexible financing with reduced mortgage insurance for eligible low-to-moderate income buyers.

ADU (Accessory Dwelling Unit)
Use income from an accessory dwelling unit (ADU) to qualify, or roll ADU construction costs into a rate-and-term refinance.

RSU (Restricted Stock Units)
Qualify for a home loan using vested restricted stock units as part of your income or asset profile.

CRA (Community Reinvestment Act)
Partnering with select banks to provide affordable home financing options for eligible low-to moderate income borrowers.

Condo/Condotel
Specialized financing for condominiums and condotels that may not meet traditional agency requirements. Ideal for unique property types or non-warrantable scenarios.

Mixed Use
Loan options for 1–4 unit properties with both residential and commercial components.

Temporary Buydowns
Options such as 3-2-1, 2-1, 1-1, and 1-0 to temporarily lower monthly payments at the start of the loan.

Interest Only
Make interest-only payments for a limited time at the beginning of the loan term.

Closing as a Business
Entity Allows property to be closed in the name of a trust, LLC, or corporation.

Earned Equity Program
A lease-to-own option that applies a portion of monthly rent toward building equity credit, helping renters transition into homeownership

Chenoa, Essex, & Click N’ Close Down payment assistance programs paired with FHA loans, offering repayable or forgivable second mortgage options to support eligible buyers.

HFA* Programs
Work with state and local housing agencies to provide down payment assistance and affordable loan options.

Lending on residential, commercial, land, ground up construction and Fix & Flip. Providing emergency financing and having the ability to move more quickly than any other offering.

Land Loans
Financing available for vacant land purchases, ideal for future home builds or long-term investment. Flexible terms and various property types supported.

Fix & Flip
Short-term financing for investors purchasing and renovating residential properties. Ideal for quick acquisitions and fast turnarounds

Combine your mortgage and renovation expenses into one streamlined loan.

Fannie Mae HomeStyle
Finance home purchases or refinances and renovations in a single loan, flexible for primary, secondary, and investment
properties.

Freddie CHOICE
Combine renovation costs with a purchase or refinance. Great for borrowers looking to improve and personalize their property.

FHA 203(k)
A government-backed option that lets borrowers roll renovation expenses into their FHA loan.

VA Renovation
Eligible veterans and service members can finance home improvements alongside their VA purchase or refinance loan.

Bank Statement
Self-employed borrowers may qualify using bank statements instead of traditional tax returns.

Investor Cash Flow (DSCR)
Use rental income alone to qualify for investment property financing. Asset Qualifier Get approved for a mortgage based solely on your assets.

Foreign National
Financing available for vacation or investment properties in the U.S., even without U.S. residency or employment.

1099
Qualify for a home loan using your 1099 income documentation.

Profit & Loss (P&L)
Business owners may qualify using accountant prepared profit and loss statements.

WVOE****
Qualify with a written employment verification, no income docs required.

ITIN*****
Home financing available for borrowers without a Social Security Number.

Foreign National Loans
See if you can buy or invest in U.S. real estate with no U.S. credit, income, or residency required.

Closed End Second
A second mortgage option that allows homeowners to borrow additional funds while keeping their first mortgage in place.

Renovation HELOC***
A home equity line of credit designed for property improvements.