Loan Options
Find the loan that fits your life
As an independent broker, I'm not tied to one bank's products — I shop multiple lenders across these programs to find the right rate and fit for you. Explore the options, then let's talk about which makes sense for your goals.
Core Programs
Everyday home loans
Conventional
The most common home loan — for qualified buyers, down payments can start around 3%. Works for primary homes, second homes, and investment properties.
Learn more → 🔑FHA
Government-insured loans with flexible credit qualifying and down payments as low as 3.5% for eligible buyers. A popular first-home path, open to repeat buyers too.
Learn more → 🎖️VA
Zero-down financing with no monthly mortgage insurance for veterans, service members, and eligible surviving spouses. One of the strongest benefits earned by those who serve.
Learn more → 🌾USDA
No-down-payment financing for eligible buyers in qualifying rural and suburban areas. Income limits and property eligibility apply — I can check both for you.
Learn more → 💎Jumbo
Financing above conforming loan limits for higher-priced homes. Documentation and reserve expectations run deeper, so comparing multiple lenders matters most here.
Learn more → 🔄Refinance
Replace your current mortgage to lower the rate, change the term, or take cash out of your equity. Whether it pencils out depends on your goals — I'll run the numbers with you.
Learn more →Self-Employed & Investors
Specialty & non-QM loans
Bank Statement
Qualify with 12–24 months of bank statements instead of tax returns. Built for self-employed borrowers whose tax returns understate their real cash flow.
Learn more → 🪪ITIN
Home financing for borrowers who file U.S. taxes with an ITIN instead of a Social Security number. Typically needs a larger down payment than conventional programs.
Learn more → 🏘️DSCR
Investor financing that qualifies on the property's rental income rather than your personal income — no tax returns needed to qualify.
Learn more →Also available: HELOCs, cash-out refinance, and down-payment assistance programs. Not sure what fits? Get a quick quote → First time buying? Start with the First-Time Homebuyer Guide.
Last reviewed: September 2026. Program availability varies by lender and situation; this page is general education, not a commitment to lend.
See why so many homebuyers trust Stef with their home financing.
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