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
DSCR Loan vs Conventional Investment Loan: Which Is Better?
A DSCR loan qualifies you on the property's rental income with no personal income documentation; a conventional investment loan qualifies you on your personal income, DTI, and tax returns.
Read more
Bank Statement Loans: How Self-Employed Buyers Qualify Without Tax Returns
A bank statement loan lets self-employed buyers qualify for a mortgage using 12 to 24 months of bank deposits instead of tax returns.
Read more
The No Income, No Employment Verification Mortgage: How It Actually Works
A program for creditworthy buyers where income and employment are not stated or verified, qualification rests on credit, down payment, and reserves instead.
Read more
1099-Only and P&L-Only Mortgages: Two Simpler Paths for Self-Employed Buyers
A 1099-only mortgage qualifies you from your 1099 forms and a P&L-only mortgage qualifies you from a profit-and-loss statement, two simpler alternatives to the full bank statement process.
Read more
Can I use short-term rental income to qualify for a DSCR loan?
A DSCR loan can qualify you on the projected Airbnb or Vrbo income a property produces rather than your personal income, but only with a lender who accepts short-term rental income.
Read more
How do renovation loans build instant equity?
A renovation loan finances a home's purchase price plus improvements in one loan based on its after-repair value, which is how it can create equity the day you close.
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