Conventional loans are ideal for borrowers with solid credit and stable income. These loans aren’t backed by the government, which means they often have stricter qualification requirements but offer competitive interest rates and flexible terms. They're available for primary residences, second homes, and investment properties.

Backed by the Federal Housing Administration, FHA loans are designed to help first-time and lower-credit borrowers qualify more easily. They offer low down payment options—sometimes as little as 3.5%—and more flexible credit requirements. FHA loans are a popular choice for those who might not qualify for a conventional loan.

VA loans are exclusive to eligible veterans, active-duty service members, and certain military spouses. They require no down payment, no private mortgage insurance (PMI), and offer competitive interest rates. Backed by the Department of Veterans Affairs, this program helps those who’ve served purchase a home with powerful financial advantages.

USDA loans support buyers looking to purchase in eligible rural or suburban areas. Backed by the U.S. Department of Agriculture, these loans offer zero down payment options and reduced mortgage insurance costs. Income limits and geographic eligibility apply, making them a great fit for moderate-income buyers in qualified locations.

Jumbo loans cover loan amounts that exceed conventional loan limits set by the government. They’re designed for high-value properties and often come with stricter credit and down payment requirements. Ideal for buyers in competitive markets or luxury real estate.

Reverse mortgages allow homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments. The loan is repaid when the home is sold, vacated, or the borrower passes away. It's a flexible option for retirees looking to supplement income or cover expenses.

A Home Equity Line of Credit (HELOC) lets you tap into your home's equity as needed, much like a credit card. It offers flexible borrowing, variable interest rates, and can be used for home improvements, debt consolidation, or emergencies. You only pay interest on what you borrow.

A standalone second mortgage allows you to borrow against your home’s equity without refinancing your first mortgage. It’s a separate loan with its own terms, often used for large expenses, investments, or debt consolidation. It’s a smart option if your current first mortgage has a low rate you want to keep.

Down payment assistance programs can help reduce upfront costs for qualified buyers. These may come in the form of grants, forgivable loans, or second mortgages, and are often available through state or local agencies. They’re especially helpful for first-time buyers or those with limited savings.

Alternative documentation loans are designed for self-employed individuals who may not have traditional income documentation. Instead of W-2s or tax returns, these loans allow you to qualify using bank statements, 1099s, or a profit and loss (P&L) statement. They offer flexibility for freelancers, contractors, and business owners.

DSCR (Debt Service Coverage Ratio) loans are tailored for real estate investors and are based on a property's income potential—not the borrower’s personal income. If the rental income covers the mortgage payment, you may qualify. This makes it easier for investors to expand their portfolio without full income documentation.

No ratio loans allow you to qualify based on loan-to-value (LTV) rather than income or credit documentation. These loans are useful for borrowers with substantial assets or equity but irregular or hard-to-document income. It's a niche solution when traditional guidelines don't apply.

This loan allows you to purchase a new home before selling your current one—without making a contingent offer. It helps you stay competitive in a hot market and move on your own timeline. It’s a smart solution when you’ve found the right next home but haven’t sold yet.

One-time close construction loans combine the cost of building and permanent financing into a single loan. You only go through one approval and one closing, saving time and reducing fees. It’s a streamlined solution for buyers building a custom home from the ground up.

Financing for manufactured homes is available—even for unique cases like homes that have been moved more than once, built before 1976, or located in a park. Whether single-wide, multi-wide, or non-traditional, there are loan options tailored to fit. Requirements vary, but solutions exist for most property types.

Whether you're purchasing a traditional condo or a non-warrantable unit (one that doesn't meet standard lending guidelines), there are specialized financing options available. Non-warrantable condos may have unique characteristics—like a high investor ratio or ongoing litigation—but tailored solutions can still make financing possible.

Commercial loans support the purchase or refinance of storefronts, office buildings, mixed-use properties, or multi-unit rentals. These loans are structured differently from residential mortgages and may focus more on cash flow and investment potential. Ideal for business owners and property investors looking to grow.

Land loans help you purchase raw or improved land for future construction or investment. Whether you're planning to build a home or hold the land long-term, financing is available. Requirements often vary based on zoning, location, and development potential.

Bridge loans offer short-term financing to help you "bridge" the gap between buying a new home and selling your current one. They provide funds for a down payment or purchase before your existing home sells. Ideal for making non-contingent offers in competitive markets.

ITIN loans are designed for borrowers who don’t have a Social Security number but have an Individual Taxpayer Identification Number. These loans open the door to homeownership for non-citizens and undocumented immigrants with steady income and responsible financial histories. Qualification guidelines vary by lender.

Fix and flip loans provide short-term financing for investors looking to renovate and resell properties. These loans cover both the purchase price and rehab costs, with fast funding and flexible terms. They're perfect for real estate entrepreneurs aiming for quick turnaround and profit.