Loan programs

The right loan
for every situation.

The full 2026 product guide. Conventional, FHA, VA, USDA, jumbo, All Agency add-ons, Non-QM, doctor loans, unusual property types, and more. Skip the reading and just call if you want a recommendation, we'll sort you in five minutes.

Purchase

Buying a home

Conventional

The default for qualified buyers.

Fixed or adjustable financing with down payments as low as 3%.

Minimum score of 600 when LTV above 80%No minimum score when LTV below 80%No FICO options available

Jumbo

Financing above conforming limits.

High-balance loans up to $3.5M for higher-end properties.

90% max LTVMin credit score of 660Max loan amount of $3,500,000

Government

Government-backed

FHA

Built for first-time buyers.

Flexible credit and low down-payment loans backed by the FHA.

Minimum score of 580Manual underwrites down to 580 FICOFHA 203(k), Standard & Limited Renovation

VA

One of the best benefits earned through service.

Zero-down, no-PMI financing for veterans and active service members.

Minimum score of 580Manual underwrite 580 minimum scoreInterest Rate Reduction Loan, IRRRL

USDA

Zero-down for eligible rural and suburban areas.

USDA Rural Development loans, no down payment in qualifying areas.

Minimum score of 580Manual UW allowed0% down payment

Specialty

All Agency

Add-ons that work across Conv, FHA, VA, and USDA.

Construction-to-perm, down payment assistance, renovation, buydowns, and more.

One-Time or Two-Time Close ConstructionDown Payment Assistance, 100%High Balance

Non-QM

Loans for real lives, not just W-2s.

Bank statements, asset utilization, DSCR, 1099, ITIN, foreign national, and more.

12 or 24 months bank statementsAsset Utilization, No DTI, Lite DocAsset Depletion & 1099

Doctor & Professional

Low-down, flexible loans for medical and licensed professionals.

As little as 0% down, no PMI, and student-loan-friendly underwriting.

Medical doctors, oral surgeons, dentists, optometrists, ophthalmologists, pharmacistsRegistered nurses, anesthetists, nurse practitioners, physician assistantsVeterinarians, attorneys, CPAs, and certified financial advisors

Unusual Property Types

If it's a property, we probably lend on it.

Manufactured, condotel, barndominiums, vacant land, and non-warrantable condos.

Manufactured Home, Singlewide & Doublewide, Primary or InvestmentCondos, condotel, co-opsBarndominium

Other Features

HELOCs, bridge loans, fix & flip, and a few other tricks.

Lock & shop, HELOC, bridge financing, fix & flip, 40-year interest-only, and more.

Lock & Shop and TBDHELOCPurchase Money 2nd

Not sure which fits?

A short call saves a lot of second-guessing.

Call (512) 358-6262 Start pre-approval

The right loanfor every situation.