Loan programs
Loan Options
Every borrower's situation is different. I work with a range of loan programs to help find the right fit for your goals, financial picture, and timeline.
Finding the right fit starts with understanding your situation
There's no single loan program that's right for everyone. The best option depends on your credit profile, income documentation, available funds, the property you're purchasing, and your long-term goals. My job is to help you understand which programs may apply to your situation — and what the tradeoffs are.
No single program is right for everyone. A conversation about your specific situation is the best way to understand which options may be worth exploring.
Loan Programs at a Glance
FHA Loans
FHA loans are insured by the Federal Housing Administration and are designed to make homeownership accessible to a broader range of borrowers. They may be worth exploring if you have a limited down payment or a less established credit history.
- Lower minimum down payment requirements
- May accommodate a wider range of credit profiles
- Fixed and adjustable rate options available
- Primary residences only
Conventional Loans
Conventional loans are not backed by a government agency and are available for a wider range of property types, including primary residences, second homes, and investment properties. They may be a good fit if you have a strong credit profile and documented income.
- Available for primary, secondary, and investment properties
- PMI can often be removed with sufficient equity
- Conforming and jumbo options available
- Flexible term options
Non-QM Loans
Non-Qualified Mortgage programs are designed for borrowers whose income or financial situation falls outside standard documentation requirements. This includes self-employed borrowers, real estate investors, and others with non-traditional income.
- Bank statement income documentation
- Asset-based qualification options
- DSCR programs for real estate investors
- Flexible income documentation
All Loan Programs
Every program below has its own page with plain-language explanations, eligibility considerations, and FAQs.
Buy a Home
Build or Improve
Self-Employed & Alternative Income
Investment Properties
Refinance & Home Equity
Side-by-side comparison
How They Compare
This table offers a general overview for comparison purposes. Actual eligibility, terms, and availability depend on your individual circumstances and current program guidelines.
| Feature | FHA | Conventional | Non-QM |
|---|---|---|---|
| General use case | Purchase or refinance; often used by first-time buyers | Purchase or refinance; primary, secondary, or investment | Purchase or refinance; borrowers outside standard guidelines |
| Down payment | Generally lower minimum; specific requirements apply | Varies; lower down payments may require PMI | Varies by program and lender |
| Credit considerations | May accommodate a range of credit profiles | Generally requires stronger credit history | Varies; may be available to borrowers with credit challenges |
| Income documentation | Standard documentation typically required | Standard documentation typically required | Alternative documentation may be accepted |
| Mortgage insurance | Mortgage Insurance Premium (MIP) required | PMI may apply; can be removed under certain conditions | Varies by program |
| Best suited for | Buyers seeking accessible entry-point financing | Buyers with documented income and established credit | Self-employed, investors, or non-traditional income situations |
This table is for general comparison purposes only. Actual eligibility, terms, and availability depend on your individual circumstances and current program guidelines.
Not sure which loan type fits your situation?
That's exactly what a mortgage conversation is for. Let's talk through your goals and financial picture — and figure out which options are worth exploring.