Loan Programs
Whatever door you're walking through, there's a loan built for it.
Every property and every borrower is different. Here's how I typically help — your exact fit gets worked out in conversation, not guesswork.
By Loan Type
Financing built around your income and your property.
Different borrowers qualify in different ways. Here's a plain-language look at the main loan types I work with — your fit depends on your income documentation, credit, and the property itself.
Conventional
Not backed by a government agency. A strong fit if you have steady, documentable income and solid credit — typically the most straightforward path with competitive rates.
FHA
Government-insured with a lower minimum down payment and more flexible credit requirements. A common starting point for first-time buyers.
VA
For eligible veterans, active-duty service members, and qualifying spouses. Often available with no down payment required.
USDA
Government-backed financing for eligible rural and suburban properties, designed to support low-to-moderate income buyers.
DSCR
Qualify using the property's rental income instead of your personal income — built for investment purchases and refinances.
Non-QM: Bank Statement & P&L
For self-employed borrowers. Qualify using bank deposits or a CPA-prepared profit & loss statement instead of tax returns.
Purchase
Primary Residence
Buying the home you'll actually live in — first-time or move-up.
- Loan sizing based on your real budget and goals
- Guidance on down payment and closing cost options
- Pre-qualification to strengthen your offer
Purchase
Investment Property
Adding a rental or expanding a portfolio you already hold.
- Financing structured around rental income and cash flow
- Options for single properties or growing portfolios
- Clear breakdown of how investment loans differ from primary-home loans
Refinance
Rate & Term Refinance
Replacing your current loan for a better rate, shorter term, or more predictable payment.
- Review of your current loan against today's options
- Straight talk on whether refinancing actually saves you money
- Support through appraisal and underwriting
Refinance
Cash-Out Refinance
Turning equity in a primary or investment property into funds you can use.
- Guidance on how much equity you can responsibly access
- Considerations specific to investment property cash-out
- Clear comparison of new terms against your existing loan
Virginia notice: Finance charges may be higher over the life of the loan.
Not sure which fits?
That's exactly what the first conversation is for.
Get pre-qualified on my E Mortgage Capital page, and we'll sort out the details from there.