A bank offers its own products. I place your file with the lender whose guidelines and pricing actually fit it — which matters most when your situation isn't textbook.
Conventional, FHA and VA purchase financing with wholesale pricing — for first-time buyers, move-up buyers and luxury purchases.
The strongest program available if you're eligible — no down payment, no monthly MI, and competitive rates for veterans, active duty and surviving spouses.
3.5% down from a 580 credit score, with more flexible debt ratios than conventional — designed for buyers building toward ownership.
Fannie Mae and Freddie Mac financing from 3% down, with mortgage insurance that comes off once you reach 20% equity.
Replace your mortgage with a larger one and take the difference in cash — for renovations, debt consolidation or the next investment.
The rental income covers the payment, so the loan qualifies on the property's cash flow instead of your personal income documents.
12 to 24 months of personal or business bank statements used to establish income — built for self-employed borrowers and 1099 earners.
Loans larger than the conforming limit, with pricing and guidelines that vary widely between lenders — which is exactly where shopping pays.
Tell me the situation and I'll tell you which programs are realistic — including the ones that aren't.