Loan programs, laid out plainly.
Every file is different. Here's the range of programs I typically work with — we'll figure out together which one actually fits yours.
Conventional loans
Not backed by a government agency, typically requiring stronger credit — often the lowest cost over the life of the loan if you qualify.
FHA loans
Backed by the Federal Housing Administration. Lower minimum down payment and more flexible credit requirements, popular with first-time buyers.
USDA loans
Government-backed financing for eligible rural and some suburban properties, often with low or no down payment for qualifying buyers.
Jumbo loans
For loan amounts above the conventional limit — used for higher-value homes and typically requiring stronger credit and reserves.
First-time buyer programs
Down payment assistance and first-time buyer programs vary by state and lender — I'll flag what you may qualify for.
Rate-and-term refinance
Lower your interest rate, shorten your loan term, or move from an adjustable to a fixed rate.
Cash-out refinance
Tap into your home's equity for renovations, debt consolidation, or other goals.
Streamline refinance
For eligible government-backed loans, a simplified refinance process with reduced documentation.
Digital HELOC — apply online
A Home Equity Line of Credit lets you borrow against the equity you've already built, as a flexible credit line rather than a lump sum. Our digital application handles the process online from start to finish — no branch visit required.
HELOC
Draw funds as you need them, pay interest only on what you use — a flexible option for renovations, consolidating debt, or covering larger expenses over time.
Hard money loans
Short-term, asset-based financing for time-sensitive purchases, flips, or deals that don't fit a conventional timeline.
Rental & investment financing
Financing structured for single rental properties or a growing portfolio.
Multi-family (2–4 units)
Purchase or refinance small multi-family properties, including owner-occupied options.
Something else?
If your situation doesn't fit neatly into a category above, reach out — that's usually where a broker helps most.