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
What does a VA renovation loan really involve?
A VA renovation loan lets an eligible veteran buy or refinance a home and finance non-structural repairs into the same VA loan with no down payment. The main hurdle is finding a lender who offers it.
Read more
How does a bank statement loan work for self-employed borrowers?
A bank statement loan qualifies you on 12 or 24 months of bank deposits instead of tax returns, letting self-employed borrowers use their real cash flow rather than the lower income their write-offs leave on paper.
Read more
How do investors qualify for a DSCR loan on rental income?
You qualify for a DSCR loan on the rental property income rather than your personal income, as long as that income covers the mortgage payment by the required ratio, with no tax returns or personal debt-to-income limits.
Read more
How does a bridge loan let me buy before I sell?
A bridge loan is short-term financing secured by the equity in your current home that gives you the cash to buy your next home before the first one sells, so you can make a non-contingent offer and move on your timeline.
Read more
What is a one-time close construction loan?
A one-time close construction loan combines the construction financing and the permanent mortgage into a single loan with one closing before the build begins, so you qualify once and your permanent terms are locked up front.
Read more
What is a non-QM loan and who is it for?
A non-QM loan is a mortgage that does not follow the standard Fannie Mae, Freddie Mac, FHA, VA, or USDA rulebook, which lets it qualify borrowers those rules turn away, such as the self-employed, real estate investors, and people with a recent credit event.
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