Smart Loan Options in 2026

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

What Mortgage Loan Options Are Available?

Available mortgage loan options for home buyers include several common loan programs. These include Conventional loans, FHA, VA, Private Money, and Non-QM like DSCR and Bank Statement mortgages. These options offer competitive rates, flexible terms, and help with purchase or refinance goals. They help borrowers find the right financing for their home or finances.

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loans

VA Loans offer flexible options as either Purchase, Refinance, or IRRRL.

Asset Depletion

Use qualifying assets as part of the income review.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

Rehab Loan

Roll the costs of the renovation into your loan.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Private Money Loan

When traditional financing slows a deal down, private money can keep it moving.

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Learn about Fannie Mae guidelines here. Learn about Freddie Mac guidelines here.

Find More Traditional Loan Options Here. Find Commercial Programs Here.