Core purchase and refinance options
Compare foundational conventional and government-backed purchase paths, then evaluate refinance goals using the complete cost and timeline.
Loan options
Start with the situation. Then choose the program.
Compare core purchase and refinance choices with paths for self-employed borrowers, investors, complex income, specialty properties, home equity, new construction, and previous denials.
Programs are not one-size-fits-all.
Availability, documentation, rates, costs, and eligibility depend on the complete scenario and current lender guidelines.
Creative and complex scenarios
Start with a complete review when income, credit, property, or a previous denial needs a deeper look.
Self-employed and alternative income
Compare tax-return, bank-statement, 1099, P&L, and shorter-history paths.
Real estate investors
Match financing to rental cash flow, a renovation project, a bridge need, or the complete portfolio.
Assets, equity, and complex income
Review options built around eligible assets, home equity, or a nontraditional documentation path.
Property-specific solutions
The property itself can determine which lenders and structures fit.
Specialized borrowers
Explore programs designed around professional, residency, or upfront-funds situations.
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