We've got them all!
Ryan and Steve can match you to the right program for your goals. Browse by category, or search by keyword. Terms vary by qualification and property, and every loan is subject to credit and property approval.
Programs first-time buyers use most often — FHA, VA, USDA, HomeReady, Home Possible, down payment assistance, and HUD $100 down. The full first-time buyer guide is still available separately.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. 100% financing available.
Low-down-payment conventional option with flexible income guidelines for creditworthy buyers.
Affordable conventional financing with low down payments and flexible credit for eligible buyers.
Indiana and nationwide programs that can cover down payment and closing costs, including Luminate PATH, Hoosier Homes, Chenoa, IHCDA, VLIP, and Essex NHF.
Buy certain HUD-owned homes as an owner-occupant with as little as $100 down, subject to property and financing approval.
Core purchase programs for primary residences — conventional, FHA, VA, USDA, and jumbo.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. 100% financing available.
Financing for luxury homes and high-value properties that exceed conforming loan limits.
Options built for buying with little cash to close, including zero-down government loans, 3% conventional products, HUD $100 down, medical professional financing, and down payment assistance.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Zero down payment loans for eligible rural and suburban homebuyers. 100% financing available.
Low-down-payment conventional option with flexible income guidelines for creditworthy buyers.
Affordable conventional financing with low down payments and flexible credit for eligible buyers.
Buy certain HUD-owned homes as an owner-occupant with as little as $100 down, subject to property and financing approval.
Specialized financing for doctors, dentists, veterinarians, and other medical professionals — including residents and fellows.
Indiana and nationwide programs that can cover down payment and closing costs, including Luminate PATH, Hoosier Homes, Chenoa, IHCDA, VLIP, and Essex NHF.
Finance a lot, a new build, a bridge purchase, or a renovation in one conversation with Ryan and Steve.
One-time and two-time close loans for building your dream home from the ground up.
Finance developed lots and raw land so you can secure the property before you build.
Buy your next home before the current one sells by accessing equity for the down payment and closing costs.
Finance your home purchase and improvements in one loan. Perfect for fixer-uppers!
When W-2s and tax returns do not tell the whole story — ITIN, bank statement, WVOE, and medical professional options.
Financing for borrowers who use an ITIN instead of a Social Security number.
Qualify using personal or business bank deposits instead of traditional tax-return income.
Qualify with a Written Verification of Employment (Fannie Mae Form 1005) instead of a traditional tax-return income calc.
Specialized financing for doctors, dentists, veterinarians, and other medical professionals — including residents and fellows.
Rental cash-flow, alternative documentation, commercial, and specialty occupancy programs for unique files.
Qualify investment properties on rental cash flow — no personal income or tax returns required.
Specialized financing for doctors, dentists, veterinarians, and other medical professionals — including residents and fellows.
Financing for borrowers who use an ITIN instead of a Social Security number.
Qualify using personal or business bank deposits instead of traditional tax-return income.
Mortgage options built for freelancers, contractors, and gig workers who earn on 1099s.
Turn investment, retirement, or liquid assets into qualifying income — ideal for retirees and high-asset buyers.
Qualify with a Written Verification of Employment (Fannie Mae Form 1005) instead of a traditional tax-return income calc.
Business property financing through Luminate Bank. Offices, retail, multifamily & more.
Refinance, cash-out, VA cash-out, VA IRRRL, FHA Streamline Refinance, FHA Cash-Out Refinance, USDA Refinance, reverse mortgage, bridge financing, and mortgage recast for homeowners who already have a property.
Replace your current mortgage with a conventional rate-and-term refinance to adjust rate, term, or loan type.
Tap your home equity with a cash-out refinance for renovations, debt consolidation, or other goals.
Veterans and eligible borrowers can refinance and take cash out while keeping VA loan benefits.
Lower your VA loan rate with a streamlined Interest Rate Reduction Refinance Loan — often with less documentation than a standard refinance.
Lower your FHA loan rate or payment with a streamlined FHA-to-FHA refinance — often with less documentation and no new appraisal.
Tap your home equity with an FHA cash-out refinance — replace your current mortgage and take cash out, subject to FHA LTV, occupancy, and underwriting rules.
Refinance an existing USDA loan with streamline or full-documentation options to lower your rate, shorten the term, or simplify your mortgage.
Access your home equity with a reverse mortgage. For homeowners 62+ looking to supplement retirement income or eliminate monthly mortgage payments.
Buy your next home before the current one sells by accessing equity for the down payment and closing costs.
Lower your monthly payment after a large principal reduction without refinancing — same loan, same rate, new amortization.
Additional programs that are not listed in the seven categories above, including renovation specialties and the first-time buyer guide.
Buy and renovate with one conventional loan — finance improvements based on the home’s after-repair value.
Conventional rehab financing for primary, second home, or investment — including pools and disaster-resilience upgrades.
Buy a fixer-upper and renovate with one FHA loan — Standard or Limited Streamline options available.
Short-term interest-only construction financing from Luminate Bank for major renovations and fix-and-flip before permanent financing or sale.
Alternative documentation loans for self-employed borrowers and unique financial situations.
Financing for rental properties with DSCR loans and conventional investment options for real estate investors.
Special programs with down payment assistance, grants, and flexible guidelines for first-time buyers.
Combine HomeReady’s low down payment with HomeStyle renovation financing in one conventional loan.
Pair Home Possible’s low down payment with Freddie Mac CHOICERenovation® so eligible buyers can buy and renovate together.
Tell Ryan and Steve what you’re looking for, or call and we’ll help you compare programs.