Loan programs

Every borrower walks a different path. These are the main ones — explained plainly, without the sales pitch.

FHA loans

Government-insured, friendlier to thinner credit and smaller down payments.

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Conventional loans

The flexible mainstream path for qualified buyers and refinances.

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VA loans

The benefit earned by veterans, service members, and surviving spouses.

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Self-employed loans

Bank-statement and alternative documentation for business owners.

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Reverse mortgages

Home equity as retirement income, for homeowners 62 and up.

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Second mortgages

HELOCs and fixed seconds — tap equity without touching your first.

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Commercial loans

Financing for investment and business-use properties.

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Program availability, eligibility, and terms vary by borrower, property, and location, and change over time. Educational only — not an offer, approval, or commitment to lend.