Find Out What Loan Options Fit Your Situation

A credit check is required to properly evaluate your options. The impact is usually minimal and temporary, and it allows us to compare multiple lenders accurately.

DTI measures how much of your monthly income goes toward debts. It helps determine how much you can qualify for and which programs are available.

Yes. Job changes are often acceptable, especially if you stay in the same field or have consistent work history.

Possibly. It depends on your income and structure of your debts. There may be ways to improve qualification or adjust the loan structure.

Yes. Bonus and overtime income can often be used if there is a consistent history of receiving it.

Yes. Rental income can be used depending on documentation and loan program guidelines.

PMI is required on some loans when the down payment is below a certain level. It protects the lender, not the borrower.

Yes. PMI can usually be removed once you build enough equity in your home.

A fixed-rate loan keeps the same rate over time, while an adjustable-rate loan can change after an initial period.

Some lenders offer options like float-downs, depending on the program and timing.

Yes. There are strategies and loan options that can help you buy before selling, depending on your equity and financial situation.

Yes. Retirement funds can sometimes be used, depending on how they are structured and accessed.

A cash-out refinance allows you to replace your current loan and access equity from your home.

Refinancing may make sense if you can improve your rate, lower your payment, or access equity.

Yes. A refinance can be used to pay off other debts, and in many cases, reduce your total monthly payments.

Yes. There are loan programs that allow you to finance both the purchase and renovation costs.

Depending on the loan, you can finance single-family homes, condos, townhomes, and multi-unit properties.

Yes. There are various programs that offer benefits and support for first-time homebuyers.

A jumbo loan is used for higher-priced properties and exceeds standard conforming loan limits.

Yes. Some Non-QM programs allow alternative documentation such as bank statements or CPA letters.

It allows qualification based on deposits instead of traditional tax return income.

A 1099 loan is designed for independent contractors who do not show strong income on tax returns.

A DSCR loan is for investors and is based on rental income instead of personal income.

Approval depends on how well the rental income covers the property’s payment and overall loan structure.

A HELOC is a line of credit secured by your home equity that you can use as needed.

Add an answer to this You can use it for home improvements, debt consolidation, or other financial needs.item.

A reverse mortgage allows homeowners 62+ to access equity without monthly mortgage payments.

Homeowners aged 62 or older with sufficient home equity may qualify.

Yes. Property taxes, insurance, and maintenance are still required.