Loan Options
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
Flexible options for buyers with solid credit and steady income.
Learn more → 🔑Lower down payments and flexible credit — great for first-time buyers.
Learn more → 🎖️Zero-down financing and strong benefits for veterans and service members.
Learn more → 🌾No-down-payment loans for eligible rural and suburban homes.
Learn more → 💎Financing for higher-value homes above conforming limits.
Learn more → 🔄Lower your rate, change your term, or tap into your equity.
Learn more →Self-Employed & Investors
Qualify with 12–24 months of bank statements instead of tax returns.
Learn more → 🪪Homeownership for borrowers who file taxes with an ITIN.
Learn more → 🏘️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 →
See why so many homebuyers trust Stef with their home financing.
Read Google Reviews →Let's Talk
No pressure, no obligation — just honest guidance.