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Not sure which program fits?
Tell us your situation and we'll point you to the right one — no obligation.
Apply NowEvery borrower's situation is different — how you're paid, how much you've saved, and whether you're purchasing your next home or refinancing the one you have all shape which loan fits best. Here's the full lineup we compare across dozens of lenders on your behalf.
Down payments as low as 3.5%, with flexible credit requirements — a common fit for first-time buyers.
Down payments as low as 3% for qualifying buyers, with mortgage insurance that cancels at 20% equity.
$0 down for eligible veterans and service members, with no monthly mortgage insurance.
Financing for homes priced above conforming loan limits, common in higher-cost markets.
Qualify using 12–24 months of bank deposits instead of tax returns — built for self-employed borrowers.
Qualify using a CPA-prepared profit & loss statement instead of full tax returns.
Qualify based on a property's rental income, not your personal income — built for investors.
Qualify for a mortgage using an ITIN instead of a Social Security Number.
Qualify without traditional pay stubs or tax returns, often based on assets.
Every program on this page can be used for a purchase or a refinance, including cash-out refinances where applicable. We work with clients purchasing their first home just as often as homeowners refinancing the one they already have — the right program depends on your goals, not just what you're buying.
A qualified mortgage (QM) meets standard federal underwriting guidelines, typically using tax returns and W-2 income. Non-QM programs — like bank statement, P&L, DSCR, and ITIN loans — use alternative ways to verify income or eligibility, which can open the door for borrowers who don't fit a conventional box.
It usually comes down to your down payment or existing equity, credit profile, and how your income is documented. We compare your situation against dozens of lenders' programs and walk you through the options that actually fit — no guesswork required.
Sometimes, especially early in the process. If your situation changes or a different program turns out to be a better fit, we'll walk through what that means for your rate, timeline, and documentation.
Tell us your situation and we'll point you to the right one — no obligation.
Apply Now