Home / Residential Loans
Residential mortgage options
Financing for primary homes, second homes, and rental properties. Filter by your goal to see where to start.
Explore your options
These are the residential financing types we work with. During your consultation, we'll help you narrow down which ones fit your situation.
Conventional loans
Loans that aren't government-insured, for primary homes, second homes, and investment properties.
FHA loans
Government-insured loans that may allow a lower down payment and more flexible credit guidelines.
VA loans
For eligible veterans, active-duty service members, and qualifying surviving spouses.
USDA loans
For eligible properties in designated rural and suburban areas, subject to income limits.
Jumbo loans
For loan amounts above the conforming loan limit for the property's county.
First-time homebuyer guidance
Help understanding your options, down payment requirements, and each step of buying your first home.
Rate-and-term refinance
Replace your current mortgage to change your interest rate, your loan term, or both.
Cash-out refinance
Refinance for more than you currently owe and receive the difference in cash, based on your home's equity.
HELOC and home equity loans
Borrow against your home's equity while keeping your current first mortgage in place.
Bank statement loans
A non-QM option for self-employed borrowers that may document income with bank deposit history rather than tax filings.
DSCR loans
Rental property financing that qualifies mainly on the rent the property brings in, rather than your personal income.
Investment property loans
Financing to buy or refinance one-to-four unit rental properties.
Availability, eligibility, rates, and terms depend on your situation, the property, and lender guidelines. We'll review what fits with you directly.
Helpful to have ready
You don't need everything for a first conversation. These details help us point you in the right direction faster.
- Your goal, such as a purchase, a refinance, or tapping your equity
- The property location and type, if you have one in mind
- An estimated price range or current home value
- Your timeline
- How you earn your income (for example, salaried or self-employed)
Not sure which option fits?
Tell us about your goals and we'll walk you through the options that may make sense, step by step.