Every Program · Every Buyer
Veteran-owned.
Built for everyone.
The VA loan is our specialty — but the discipline behind it serves every buyer. Conventional, FHA, USDA, jumbo, refinance, self-employed, and investor programs, shopped across 220+ wholesale lenders. Military family or not, you get the same straight answers and the same fight for your rate.
10
Loan Programs
220+
Wholesale Lenders
$0
Down Payments From
Everyone
Who's Welcome
Serving, or served? Your VA benefit is $0 down, no PMI, and our life’s work.
Explore VA Loans →The Full Menu
Find your program
The Everyday Workhorse
Conventional Loans
Conventional mortgages with down payments as low as 3%, cancellable PMI, and 220+ lenders competing for your rate. For every buyer.
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The Accessible Path
FHA Loans
FHA mortgages with 3.5% down and flexible credit guidelines.
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The $0-Down Secret
USDA Loans
USDA rural development loans: $0 down and below-market fixed rates in eligible areas.
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Above the Limit
Jumbo Loans
Jumbo mortgages for homes above the 2026 conforming limit.
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Same Home, Better Terms
Rate & Term Refinance
Rate-and-term refinancing shopped across 220+ lenders: lower payment, shorter term, or PMI removal.
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Put Your Equity to Work
Cash-Out Refinance
Cash-out refinancing: turn home equity into funds for renovation, debt consolidation, or investment.
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For the Self-Employed
Bank Statement Loans
Qualify with 12–24 months of bank statements instead of tax returns.
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For Property Investors
DSCR Investment Loans
DSCR investment loans qualify on the property's rental income.
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First-Time Homebuyer
First home? We'll match you to the right program.
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At a Glance
Every program, side by side
| Program | Min. Down | Mortgage Insurance | Best For |
|---|---|---|---|
| Conventional | 3%+ | Cancellable PMI | Strong-credit buyers wanting the best pricing |
| FHA | 3.5%+ | Life-of-loan (refi out) | Flexible credit, first-time buyers |
| VA | $0 | None — ever | Veterans, service members & eligible spouses |
| USDA | $0 | Modest annual fee | Eligible suburban & rural areas |
| Jumbo | 10–20% | None | Homes above $832,750 |
| Bank Statement | 10–20% | Varies | Self-employed qualifying on deposits |
| DSCR | 20–25% | N/A | Investors qualifying on rental income |
2026 baseline conforming limit: $832,750. Program parameters vary by lender and county — we confirm your exact numbers in the first conversation.
Straight Answers
Working with us
Do I have to be a veteran to work with you?
Not at all. We're veteran-owned and VA loans are our specialty, but we originate every major program — conventional, FHA, USDA, jumbo, refinance, self-employed, and investor loans — for every buyer. The values are military; the service is for everyone.
How do you find my best rate?
We're a broker, not a bank: your scenario runs across 220+ wholesale lenders that compete for your loan, and we hand you the winner. A bank can only ever show you its own rate sheet.
Which loan program is right for me?
That's arithmetic, not opinion — down payment, credit, property, and goals decide it. In one conversation we'll price every program you qualify for, side by side, and show you the math.
What does it cost to get pre-approved?
Nothing. Pre-approval is free, fast, and comes with real numbers — the payment, cash-to-close, and rate context you need before you shop.