Loan Programs
Unlock your homeownership dreams.
Diverse loan programs for every unique buyer. Whether you're a first-time buyer, investor, self-employed, or refinancing — we have a program tailored to you.
First-Time Homebuyers
New to all of this? Start here. Real answers on down payments, credit scores, and what buying your first home actually costs.
Learn More →FHA Mortgages
Insured by the Federal Housing Administration (FHA) to reduce lender risk. Credit scores from 580 with as little as 3.5% down.
Learn More →VA Mortgages
Guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members, and spouses. Often with zero down.
Learn More →USDA Rural Housing Loans
Backed by the U.S. Department of Agriculture. $0 down financing in eligible areas, and far more suburbs qualify than most buyers expect.
Learn More →Down Payment Assistance
State, county, and city programs that can cover part or all of your down payment. Most buyers never check.
Learn More →Florida Hometown Heroes
Florida down payment help for teachers, nurses, first responders, and other full-time frontline workers. Up to $35,000 toward your first home.
Learn More →Conventional Loans
From 3% down for first-time buyers, and unlike FHA the mortgage insurance falls off once you build enough equity.
Learn More →Adjustable-Rate Mortgages (ARM)
Initial interest rate lower than fixed-rate options, then changes periodically. Useful for buyers planning to move or refinance before adjustments begin.
Get Qualified →Jumbo Loans
Above the conforming loan limits, where lender appetite varies enormously. Shopping matters most at this size.
Learn More →Refinance Mortgages
Lower your rate, shorten your term, or drop mortgage insurance. Includes the honest break-even math.
Learn More →Construction Loans
Interest-only while the house goes up, draws coordinated with your builder, then permanent financing.
Learn More →Home Equity Loans
Borrow against the equity in your home with a lump-sum payment at a fixed rate. Ideal for a known, one-time expense.
Learn More →HELOC (Line of Credit)
Draw what you need, when you need it, without touching the first mortgage rate you already have. Revolving and reusable.
Learn More →Cash-Out Refinance
Consolidate high-rate debt into one mortgage payment, or pull equity out. Includes the honest break-even math.
Learn More →Reverse Mortgages
For homeowners 62 and older. Access your equity without a monthly mortgage payment, without selling.
Learn More →Self-Employed Borrower Loans
Designed for business owners and contractors. Bank statement loans, 1099 loans, and other programs tailored for self-employed income.
Learn More →Medical Professional Loans
Physician and doctor loan programs. Low or no down payment, no mortgage insurance, softer treatment of student debt, and closing on a signed employment contract.
Learn More →Asset Depletion Mortgages
Qualify based on your liquid assets rather than regular income streams. Ideal for retirees and asset-rich buyers.
Get Qualified →DSCR Investor Loans
Qualify on the property's rent instead of your tax return. No personal income documentation.
Learn More →Investment Property Loans
Fix and flip, bridge, and interest-only. Matching the structure to how long you actually plan to hold.
Learn More →Foreign Buyer Mortgages
Flexible requirements for international income and assets. Typically requires a larger down payment.
Get Qualified →Commercial Real Estate
Multifamily, mixed use, retail, office, industrial, and self storage. Underwritten on the property's income, not your pay stubs.
Apply →Credit Challenges
Turned down somewhere else? That was one lender's rule book. Guidelines vary far more than people expect.
Learn More →Why Use a Broker?
A bank is one company with one rate sheet. Here is what shopping hundreds of lenders actually changes.
Learn More →Not sure which program is right for you?
Book a 30-minute consultation with Rich and we'll find the right fit together.