Use your home equity
- HELOC: a flexible line of credit that keeps your first mortgage in place
- Home Equity Loan: a lump sum with a fixed payment
- Cash-Out Refinance: a new mortgage with cash back at closing
Refinance
- Rate-and-Term Refinance: lower your payment or change your term
- FHA and VA refinancing, including streamline options
- Reverse Mortgage: for homeowners 62 and older
Buy a home
Self-employed and investors
- Self-Employed Loans: qualify with bank statements
- DSCR Investor Loans: qualify on rental income
Not sure where to start?
That's what we're here for. Tell us what you'd like to do, and we'll walk you through the options that fit. You can also try our mortgage calculators to explore payments.
Frequently asked questions
How do I know which program is right for me?
It depends on how you'll use the home, how you earn your income, and your goals. A short conversation is the fastest way to find your best options.
Can you compare two programs for me?
Yes. We often compare options side by side, like FHA vs. conventional or HELOC vs. cash-out, so you can choose with confidence.
Which states do you lend in?
We're licensed in California, Arizona, Colorado, Florida, and Texas, and we offer loans on homes you live in and investment properties in all five states.