Learn → Loan Types
Loan Types
There is no single "best" mortgage — only the loan that fits your goals, credit, and down payment. This hub breaks down FHA, VA, USDA, conventional, jumbo, DSCR, bridge, construction, and renovation loans so you can compare options with confidence and see which programs you may qualify for.
All Loan Types articles & guides
Non-Warrantable Condo Loans: Financing the Condo Conventional Lenders Won't
A non-warrantable condo doesn't meet Fannie Mae and Freddie Mac's eligibility rules, so conventional lenders won't finance it. A specialized loan built for these situations can.
Read more
Can You Get a Mortgage Without Tax Returns or W2s?
Yes. Alt-doc loans qualify you on bank deposits, assets, or rental income instead of tax returns, W2s, or pay stubs. Here are the main paths.
Read more
How Is Income Calculated on a Bank Statement Loan?
The lender totals your deposits over 12 or 24 months, removes transfers and one-time items, averages them, then counts a share as qualifying income.
Read more
Asset Depletion Loans: How to Qualify Using Your Savings Instead of Income
An asset depletion loan lets you qualify for a mortgage using your liquid assets instead of income, ideal for retirees and asset-rich buyers whose actual income looks small.
Read more
What Is a Jumbo Loan? (2026 Limits)
A jumbo loan is a mortgage that exceeds the 2026 conforming limit of $832,750 in most counties, or $1,249,125 in high-cost areas.
Read more
Jumbo Loan Requirements in 2026
To qualify for a jumbo loan in 2026, most lenders look for a 700+ credit score, 10-20% down, DTI at or below 43%, and cash reserves after closing.
Read moreNot sure which loan fits?
Tell us about your goals and we will match you with the right program.
Prefer to talk? Call (866) 617-7381