Mortgage Solutions
Homebuyer, investor, self-employed, ITIN, or foreign national — I’ll help you find the right mortgage solution.
Mortgage Solutions That Fit Real-Life Situations
Not every borrower fits into traditional lending guidelines. Whether you're buying your first home, refinancing, investing in real estate, self-employed, purchasing with an ITIN, or qualifying through assets, I’ll help you compare available options clearly.
Conventional
- As low as 3% down for qualified buyers
- Strong credit may help with better pricing
- Great for primary, second homes, and investments
FHA
- 3.5% down payment options
- Flexible qualification guidelines
- Great for first-time homebuyers
VA
- 0% down for eligible Veterans
- No monthly mortgage insurance
- Competitive rates and benefits
Jumbo
- High loan amount financing
- Primary, second home, and investment options
- Tailored solutions for complex scenarios
Bank Statement Loans
- Designed for self-employed borrowers
- Qualify using 12–24 months of bank statements
- No traditional tax-return income calculation
DSCR Investor Loans
- Qualify based on rental property cash flow
- No personal income verification required
- Popular for real estate investors
ITIN Loans
- Options for borrowers without a Social Security Number
- Use ITIN for mortgage qualification
- Home financing options for eligible non-U.S. citizens
Foreign National Loans
- For non-U.S. residents buying property in the U.S.
- Foreign income and assets may be considered
- Options for vacation homes and investment properties
Asset Depletion Loans
- Use retirement, brokerage, or investment assets as income
- Helpful for retirees and high-net-worth borrowers
- No traditional employment income required
Refinance
- Lower your payment or shorten your term
- Cash-out options for projects, debt, or investments
- Compare savings and break-even timelines
Send Your LE — I'll Compete
- Upload your Loan Estimate
- Transparent apples-to-apples comparison
- Competitive quote explained in plain English
Unsure which fits? Try the AI Loan Advisor or book a quick call.