Education
Not Sure Which Mortgage Program Fits?
You do not need to know the loan program before starting. That is what the review is for.
There are many mortgage paths, and the right one depends on your full picture. Here are common options a licensed mortgage professional may consider.
Conventional loans
A common path for many primary-home and second-home buyers.
Jumbo loans
Higher loan amounts for California’s premium property markets.
FHA loans
Flexible qualifying for eligible borrowers.
VA loans
Benefits for eligible veterans and service members.
Bank statement loans
Income documented through bank deposits for self-employed borrowers.
DSCR investor loans
Qualify investment properties using projected rental cash flow.
Non-QM loans
Flexible programs for unique income, credit, or property scenarios.
Cash-out refinance
Access home equity for renovations, investing, or consolidation.
Bridge / private options
Short-term or private financing where it fits the scenario.
Why one bank may say no while another program may fit
Different lenders and programs have different guidelines. A “no” on one program does not mean every path is closed — another structure may be a better match.
Why the loan program depends on your full picture
- Income type and documentation
- Credit profile
- Property type and occupancy
- Down payment and reserves
- Loan amount
Why a scenario review helps narrow the options
Organizing the details first makes it easier to identify which paths are worth reviewing with a licensed mortgage professional.
Start With the Situation
You do not need to know the program. Start with the situation.
This information is for educational purposes only and is not a loan approval, loan commitment, or rate quote. Final loan options are subject to review by a licensed mortgage professional.