Home Loan Programs
Explore the options below to find a program that fits your situation. Each program includes flexible guidelines depending on your goals and eligibility.
Choose a Loan Program to Get Started
When you're ready, click “Get Pre-Qualified” to complete a quick form and schedule a brief 10–15 minute call to review your situation..
Choose a Loan Program to Get Started
When you're ready, click “Get Pre-Qualified” to complete a quick form and schedule a brief 10–15 minute call to review your situation..
Low Credit Programs
Options available for buyers with credit as low as 500-620, depending on your full financial picture. Down payment and income requirements may apply, but we’ll walk you through what you actually qualify for on a quick call.
Strong Credit Program
Traditional loan options for borrowers with stronger credit and stable income. Conventional programs may offer lower overall costs, flexible terms, and down payment options as low as 3% for qualified buyers. We’ll help you compare options and structure the best fit.
USDA Loan Program
Designed for eligible rural and suburban areas, USDA programs may offer low or no down payment options for qualified buyers. In some cases, construction and new build financing may also be available. We’ll help you confirm eligibility, property location, and structure the loan correctly.
Mobile Home Programs
Financing available for mobile and manufactured homes, including chattel loans for homes not attached to land (credit starting at 550 with a down payment required) and land home options for qualifying borrowers. We’ll walk you through the best option for situation on a quick call.
VA Loan Program
Exclusive loan programs for eligible veterans and active-duty service members, often featuring no down payment, no mortgage insurance, and competitive terms. If you’ve served, we’ll walk you through your eligibility and help you take full advantage of your benefits.
Non-Traditional Programs
Flexible financing solutions for borrowers who may not meet traditional lending guidelines, including self-employed buyers, bank statement loans, and ITIN loan options. These programs allow us to structure financing based on your full financial profile, not just standard documentation.
Down Payment Assistance
Programs that may help reduce upfront costs through grants, credits, or assistance options for qualified buyers. Availability depends on location and eligibility, and funds may be limited. We’ll help you explore what programs are currently available and how they can be layered into your loan.
Refinance & Equity Options
Options for homeowners who want to improve their mortgage terms or access home equity. Depending on eligibility, solutions may include refinancing for better terms, cash-out options, structured equity loans, or flexible credit lines, as well as equity-based solutions for homeowners age 62 or older.
$1000 Best Price Guarantee
Borrowers may receive a $1,000 check after closing with another lender if a valid Loan Estimate shows a lower overall price that cannot be beaten. Terms, conditions, and eligibility requirements apply.