Loan programs

Sorted by how you qualify, because that's where the right program starts. As a broker, we review your scenario across multiple lenders.

Qualify on how you actually earn

Non-QM loans
Alternative mortgage options for borrowers whose income, credit history or property doesn't fit traditional agency guidelines.
Bank statement loans
Qualify using 12 or 24 months of eligible personal or business bank statements instead of tax-return income.
P&L loans
Alternative income documentation for eligible self-employed borrowers, using a qualifying profit and loss statement.
DSCR investor loans
Real estate investors may qualify primarily through the rental property's cash flow rather than personal income.
Asset utilization loans
Use eligible liquid assets as another way to demonstrate the financial strength needed to qualify.
Written verification of employment
For borrowers who earn a paycheck but want an option that doesn't require tax returns.
No FICO, no income, no employment
An equity-based option for borrowers with substantial property equity.
Credit challenged loans
Options after a bankruptcy, foreclosure or other credit event, or with limited credit history.

Conventional loans
Competitive financing for qualified buyers and homeowners, including purchase and refinance options.
FHA and VA loans
Government-backed financing, and purchase and refinance benefits for eligible veterans, service members and qualifying spouses.
Jumbo and super jumbo
Large-balance mortgage solutions for eligible borrowers financing higher-value Arizona properties.
Purchase loans
Financing for a first home, a move up, a second home or an investment property.
Refinance loans
Change your rate, term or loan structure, or take cash out.
Home equity loans
Access equity while preserving an existing first mortgage.
HELOCs and HELOANs
A revolving line of credit, or a lump sum, secured by your property.

These programs don't have their own page yet. Call and we'll go through whether one fits your scenario.