Residential Loans

Find the Right Home Loan—Faster!

From conventional to FHA, DSCR to bank statement loans—we match you with lenders that fit your exact situation.

Purchasing Refinancing

Conventional Loans

Traditional mortgage backed by Fannie Mae or Freddie Mac
Key Features
  • Fixed or adjustable rates
  • 15 or 30-year terms available
  • Competitive interest rates
  • Purchase or refinance
Typical Requirements
Credit Score: 620+ (680+ for best rates)
Down Payment: 3-20% (PMI required if <20%)
Debt-to-Income: 43% or less
Max Loan Amount: $806,500 (conforming limit 2025)
Documentation: Full income/asset verification
Ideal for: Borrowers with good credit and stable income seeking the most competitive rates

FHA Loans

Government-backed loan with lower down payment requirements
Key Features
  • Lower credit score acceptance
  • Lower down payment option
  • Flexible qualification
  • First-time buyer friendly
Typical Requirements
Credit Score: 580+ (3.5% down) or 500+ (10% down)
Down Payment: 3.5-10%
Debt-to-Income: Up to 50%
Max Loan Amount: Varies by county ($498,257-$1,149,825)
Documentation: Full income/asset verification
 
Ideal for: First-time buyers or borrowers with limited down payment or lower credit scores

VA Loans

Zero down payment loan for eligible veterans and active military
Key Features
  • No down payment required
  • No PMI required
  • Competitive rates
  • Flexible credit requirements
Typical Requirements
Credit Score: 580+ typically
Down Payment: 0%
Debt-to-Income: Up to 50%
Max Loan Amount: No limit (funding fee may apply)
Eligibility: Certificate of Eligibility required
Ideal for: Veterans, active military, and eligible spouses

Jumbo Loans

Financing for high-value properties exceeding conforming limits
Key Features
  • Higher loan amounts
  • Competitive rates for qualified buyers
  • Purchase or refinance
  • Various term options
Typical Requirements
Credit Score: 700+ (720+ preferred)
Down Payment: 10-20% typically
Debt-to-Income: 43% or less
Loan Amount: $806,501+
Reserves: 6-12 months typically required
 
Ideal for: High-income borrowers purchasing luxury or high-value properties

Bank Statement Loans

Alternative documentation for self-employed borrowers
Key Features
  • 12-24 months bank statements
  • No tax returns required
  • Self-employed friendly
  • Competitive rates
Typical Requirements
Credit Score: 620-680+ depending on lender
Down Payment: 10-20%
Documentation: 12-24 months business/personal bank statements
Max LTV: 80-90%
Occupancy: Primary, second home, or investment
Ideal for: Self-employed borrowers with strong bank deposits but complex tax returns

DSCR Investment Loans

No income verification - qualified based on rental income
Key Features
  • No personal income verification
  • Based on property cash flow
  • Purchase or cash-out refi
  • Multiple properties allowed
Typical Requirements
Credit Score: 640-680+
Down Payment: 20-25%
DSCR Ratio: 1.0+ (1.25+ preferred)
Documentation: Lease agreement or rental appraisal
Occupancy: Investment only
Ideal for: Real estate investors with rental properties generating positive cash flow

HELOC (Home Equity Line of Credit)

Revolving credit line secured by home equity
Key Features
  • Flexible access to funds
  • Interest-only payment option
  • Reusable credit line
  • Variable interest rates
Typical Requirements
Credit Score: 680+ (700+ for best rates)
Combined LTV: Up to 85-90% (including existing mortgage)
Debt-to-Income: 43% or less
Min Equity: 15-20% in property
Documentation: Income/asset verification, recent appraisal
Ideal for: Homeowners needing flexible access to equity for renovations, debt consolidation, or emergencies

Fix & Flip Loans

Short-term financing for purchasing and renovating residential properties
Key Features
  • Fast approval (5-10 days)
  • Renovation funding included
  • Interest-only payments
  • Based on after-repair value (ARV)
Typical Requirements
Credit Score: 620-680+
Down Payment: 10-20%
Max LTV: 70-75% ARV
Term: 6-18 months
Documentation: Renovation budget, ARV appraisal, exit strategy
Ideal for: House flippers and investors purchasing distressed residential properties for quick renovation and resale

Residential Bridge Loans

Short-term financing to bridge the gap between buying and selling
Key Features
  • Quick closing (7-21 days)
  • Use existing home equity
  • Interest-only payments
  • No monthly payments option
Typical Requirements
Credit Score: 680+
Down Payment: 10-20% (or equity in current home)
Max LTV: 80% combined
Term: 6-12 months
Documentation: Proof of home listing or purchase contract
Ideal for: Homeowners purchasing a new home before selling their current one