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
Flexible options for buyers with solid credit and steady income.
Learn more → 🔑FHA
Lower down payments and flexible credit — great for first-time buyers.
Learn more → 🎖️VA
Zero-down financing and strong benefits for veterans and service members.
Learn more → 🌾USDA
No-down-payment loans for eligible rural and suburban homes.
Learn more → 💎Jumbo
Financing for higher-value homes above conforming limits.
Learn more → 🔄Refinance
Lower your rate, change your term, or tap into your equity.
Learn more →Self-Employed & Investors
Specialty & non-QM loans
Bank Statement
Qualify with 12–24 months of bank statements instead of tax returns.
Learn more → 🪪ITIN
Homeownership for borrowers who file taxes with an ITIN.
Learn more → 🏘️DSCR
For investors — qualify on the property’s rental income.
Learn more →Also available: HELOCs, cash-out refinance, and down-payment assistance programs. Not sure what fits? Get a quick quote →
Last reviewed: August 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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