Start with your situation, not with the loan.
Find the closest match below. If none fits cleanly, tell us what you are trying to do and we will help you find the right place to start.
The full list, grouped by why you'd need it.
Each page explains the loan. Your file decides whether it fits.
Want rough numbers before you pick one? Run them through the calculators.
Buying a home
First-time and repeat buyers. Most people start here.
- FHA loans
A government-insured option many first-time buyers compare first.
- Conventional loans
The standard purchase loan, with its own mortgage-insurance rules.
- VA loans
For eligible veterans, service members and qualifying spouses.
- USDA loans
For eligible buyers in areas the program covers.
- Jumbo loans
For loan amounts above the standard conforming limits.
- Virginia Housing programs
State programs with their own rules, paired with a first mortgage.
- Down payment help
A category, not one product. Some help is repayable.
Self-employed and hard-to-document income
When tax returns do not show what you actually earn.
- Non-QM loans
For files that do not fit standard qualifying rules.
- Bank statement loans
Income reviewed from deposits instead of tax returns.
- Foreign national loans
For buyers without a US credit and income history.
Investment property
When the property's own income has to carry the loan.
- DSCR investor loans
Qualifying built around the rental income, not your pay stubs.
- Commercial loans
Financing for commercial property.
Refinancing
Changing the loan you already have.
- Rate-and-term refinance
Replacing your current loan with different terms.
- Cash-out refinance
Refinancing for more than you owe and taking the difference.
- FHA Streamline refinance
A refinance path for some existing FHA loans.
Other lending
Less common, still available. Ask and we will tell you where you stand.
- Home equity loans and HELOCs
Borrowing against equity you already have, as a lump sum or a line you draw from.
- Reverse mortgages
For older homeowners using the equity they already have.
The awkward files are normal here.
Self-employed income. Credit that needs work. A file another lender turned down. Tareq and his team handle cases that need a closer look.
Tell us what you are trying to do. We will tell you which path fits, including when none does.