Every loan structure, one advisor.

2026 conforming loans up to $832,750 (1-unit baseline). Best pricing for strong credit, stable income, and updated Fannie Mae / Freddie Mac standards.

• 3% down available (HomeReady / Home Possible)
• Primary, second home, investor
• Fixed or ARM · 2026 LLPA pricing

High-cost county ceiling of $1,249,125 in 2026. Jumbo above ceiling — underwritten with portfolio flexibility up to $5M+.

• 10% down on $1M+
• Asset depletion accepted
• Interest-only options

2026 FHA limits set per HUD county lookup — government-backed financing with low down payment and flexible credit.

• 3.5% down
• FICO from 580
• Streamline refi available

Zero-down financing for veterans, active duty, and qualifying spouses. 2026 funding fees apply.

• 0% down
• No PMI
• Flexible credit

100% financing for eligible rural and exurban properties. Updated 2026 income and area maps.

• 0% down
• Income limits apply
• 30-yr fixed

Income qualified using 12–24 months of bank deposits — built for self-employed under current 2026 Non-QM standards.

• No tax returns
• Personal or business statements
• Up to 90% LTV

Investor loans qualified on the property's cash flow, not your personal income. 2026 DSCR ratio guidelines.

• No DTI calc
• 1–10 unit residential
• LLC vesting allowed

Alternative documentation for unique borrowers — asset-based, P&L only, ITIN, and recent credit events.

• Foreign nationals
• Asset utilization
• Recent credit events

Tap your equity for renovation, debt consolidation, or investment capital under current 2026 cash-out LTV rules.

• Up to 90% CLTV
• Standalone or piggyback
• Quick close