Buying a Home
A purchase loan for the home you want to live in, with wholesale pricing and a person who stays on the file.
Programs
A loan for the way you actually earn.
Tell us the goal. We will say which of these is worth a real look, and which is not.
LOAN FINDER
Four questions. A program to look at next.
This is a guide, not a loan offer and not a credit pull.
Question 1 of 4
What is the goal?
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
VA / FHA Streamline
A lighter refinance for an existing VA or FHA loan, when the goal is a lower rate.
Cash-Out Refinance
Replace your mortgage and take equity as cash, if the home and the numbers support it.
Lower My Rate
A rate and term refinance when you want a better payment and you do not need cash.
Bank Statement Purchase
For self-employed buyers whose tax returns do not show the full picture. Lenders can review deposits instead.
Bank Statement Refinance
The same deposit-based review, used to refinance a home you already own.
Asset Qualifier Purchase
For buyers who qualify from assets, rather than a traditional paycheck.
Asset Qualifier Refinance
Refinance using documented assets when employment income is not the best way to qualify.
Rental / Investor DSCR Purchase
An investor loan that looks at the rent the property can produce, not your personal tax return.
Rental / Investor DSCR Refinance
Refinance a rental using the property's rent coverage. Personal income is not the main test.
ITIN Purchase
A purchase option for borrowers who file taxes with an ITIN rather than a Social Security number.
ITIN Refinance
Refinance a home you own when you use an ITIN. We will say early if a lender can take the file.
Other / Not Sure Yet
Tell us the goal in plain words. We will point you to a program, or tell you if we cannot help.
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
Reviewed by Roland Suncire, Founder and President, NMLS 1196184. Last updated October 2026. Reviews