FHA, VA, USDA, Conventional and down payment assistance — without the jargon.
Backed by the Federal Housing Administration. Often the most flexible option on credit score and down payment, which makes it a common fit for first-time buyers. Mortgage insurance applies.
Not government-insured. Typically rewards stronger credit with better pricing, and mortgage insurance can usually be removed once you reach sufficient equity.
For eligible veterans, active-duty service members and certain surviving spouses. No down payment is required in many cases and there is no monthly mortgage insurance.
For eligible properties in qualifying rural and suburban areas. No down payment required in many cases, subject to income and location limits.
Grants and second-lien programs that help cover down payment and closing costs. Available in nearly every state I lend in — and most buyers never find out they qualify.
Rate-and-term or cash-out options for buyers who already own. Worth reviewing whenever your rate, your equity or your goals have changed.
Honestly — that’s the wrong first question. The right first question is where do you actually stand today? Once we know your credit range, income picture, savings and timeline, the right program usually becomes obvious.
That’s exactly what a Mortgage Map™ Review does. Twenty minutes, free, no credit pull, and you leave with a documented plan showing your recommended loan strategy, estimated payment, DPA programs you qualify for, and your cash-to-close number.
I’m licensed in five states, and each one runs its own assistance programs with their own income limits, purchase price caps and eligibility rules:
Program availability, funding and guidelines change regularly. Your Mortgage Map™ reflects what is actually available for your situation at the time we build it.
No. That is the single most common myth in home buying. Several programs allow far less, and down payment assistance may reduce what you need to bring even further.
Many of the programs I work with start at a 580 minimum. Higher scores generally improve your pricing, but a lower score does not automatically disqualify you.
No. The Readiness Score™ and the Mortgage Map™ Review both require no credit pull and no Social Security number to start.
Self-employed and commission-based buyers absolutely qualify. Documentation looks different, which is exactly why having a plan up front matters more for you than for a W-2 buyer.
Stop researching loan types in the abstract. Find out which ones you actually qualify for.