Mortgage Solutions by Borrower Type
Every borrower is different. Find the programs, guidance, and strategies designed for your specific situation.
Choose Your Situation
Select the profile that best describes you — we'll show you the right programs.
First-Time Homebuyers
Low down payment, flexible credit, and step-by-step guidance.
Learn more →Self-Employed
Bank statement programs that may use deposits instead of traditional tax-return income, subject to lender guidelines.
Learn more →Business Owners
Programs that see past write-offs to your real income.
Learn more →Real Estate Investors
DSCR, conventional, and portfolio options to scale.
Learn more →Veterans & Military
VA loans — zero down, no PMI, competitive rates.
Learn more →1099 Contractors
Qualify using 1099s, bank statements, or P&L.
Learn more →Credit Challenges
Programs available 1 day after bankruptcy or foreclosure.
Learn more →High Net Worth
Asset depletion and jumbo programs for sophisticated borrowers.
Learn more →Foreign Nationals
U.S. property financing without SSN or credit history.
Learn more →ITIN Borrowers
Homeownership without a Social Security Number.
Learn more →Condo Buyers
Warrantable and non-warrantable condo expertise.
Learn more →Multi-Unit Buyers
House-hack with 2–4 unit properties.
Learn more →