FHA, VA, DSCR, Bank Statement, ITIN, Jumbo, Construction — and more. Whatever your situation, we have the loan to match. We compare 25+ lenders to get you the best rate on the right program.
Which Loan Program Fits You Best?
Pick what describes you and we'll show you exactly which loan program is right for your situation.
Most-Requested
Loan Programs.
These three account for 70% of our closings. They solve problems banks can't.
Qualify using 12–24 months of bank deposits — no tax returns required. Built for business owners, freelancers, and 1099 contractors.
Qualify based on the property's rental income — not your personal tax returns or W-2s. No DTI limits. No property cap.
Just 3.5% down with FHA. 0% down with VA. Combine with down payment assistance for nearly zero out-of-pocket closings.
Every Loan Type, Explained.
The right loan depends on your income, down payment, credit, and goals. Here's the full menu.
Flexible terms for qualified buyers. The standard most homebuyers use — as low as 3% down with strong credit.
Learn More →Low down payment + flexible credit. Most popular first-time buyer program. Accepts scores starting at 580.
Learn More →100% financing for eligible veterans, active-duty, and military. No PMI required. Best rates in the industry.
Learn More →Zero-down financing for eligible buyers in designated rural and suburban areas. Income limits apply.
Learn More →Self-employed buyers qualify on 12–24 months of deposits instead of tax returns. Write-offs don't disqualify you.
Learn More →Real estate investors qualify based on rental income. No personal DTI, no W-2s, no tax returns.
Learn More →Florida Housing, HFA, Chenoa, FHLB grants — combined with FHA/conventional for near-zero out-of-pocket closings.
Learn More →Finance purchase + construction or renovation in one streamlined loan. Single-close construction-to-permanent.
Learn More →Access your home's equity for renovations, debt consolidation, or investments. HELOC and fixed-rate options.
Learn More →For borrowers without a Social Security Number. Tax ID accepted. We help borrowers others won't touch.
Learn More →Traditional and non-QM jumbo options for higher-priced homes. Waterfront, luxury, and vacation properties.
Learn More →Flexible loan solutions for borrowers who don't fit traditional guidelines. P&L only, 1-year tax returns, asset depletion.
Learn More →These Programs Are Built
For Borrowers Like You.
If any of these describe your situation, we have a loan path for you.
Loan Program
FAQs.
Straight answers about which loan fits which situation. No vague corporate speak.
Get My Best Loan →Local Florida Coverage.
There's a Loan for
Your Situation.
Tell us about your situation — we'll show you the 2-3 best loan programs that fit, with rates from 25+ lenders compared on your behalf.