Loan programs built around your situation
We're a mortgage broker working with wholesale lenders. Compare the programs below, then talk with Lee about the rate, fees, property, and qualification requirements for your situation.
Conventional Loans
The flexible standard, ideal for borrowers with solid credit and steady income.
- Credit and income that meet the selected lender's requirements
- Down payments from 3% to 20%+
- Primary homes, second homes, and investment properties
FHA Loans
Built for first-time buyers and borrowers rebuilding credit.
- Credit scores 580+ (500-579 with 10% down)
- First-time buyers
- Borrowers with higher debt-to-income ratios
VA Loans
Home financing benefits for eligible veterans, service members, and surviving spouses.
- Active-duty service members
- Veterans with qualifying service
- National Guard and Reserve (with service requirements)
USDA Loans
Zero-down financing in qualifying rural and suburban areas.
- Buyers in USDA-eligible geographic areas
- Low-to-moderate income households
- Primary-residence purchases only
Jumbo Loans
Financing for loan amounts above your county's conforming limit.
- Loan amounts above the conforming limit in your county
- Borrowers with strong credit (700+ typical)
- Buyers of luxury primary homes, second homes, or investments
Refinance
Lower your rate, shorten your term, or pull cash out, we'll run the numbers honestly.
- Homeowners with rates above current market
- Borrowers wanting to drop FHA MIP by switching to conventional
- Homeowners with equity who want to tap cash for renovations or debt payoff
Home Equity Line of Credit
Tap your home's equity on demand. Draw what you need, pay interest only on what you use.
- Homeowners with at least 15-20% equity
- Borrowers with strong credit (680+)
- Variable cash needs: staged renovations, tuition, business capital
Investment Property Loans
Financing for rentals, flips, multi-units, and second homes, with programs that work around your W-2 income.
- First-time real estate investors looking at NKY / Cincinnati for cash flow
- Existing landlords expanding the portfolio
- Self-employed investors comparing income-documentation options
Self-Employed Mortgage Loans
Mortgages that qualify on your actual income, not the strict W-2 playbook.
- 1099 contractors, consultants, and freelancers
- Small-business owners (LLC, S-corp, sole prop)
- Real estate agents, investors, and gig-economy workers
More loan structures to discuss
Have a specific loan term or property in mind? Ask Lee which current options may fit. Availability and requirements depend on the lender, your application, and the property.
- 10-year fixed · Compare payment and total interest
- 20-year fixed · Middle ground between 15 and 30
- Adjustable-rate mortgages · Ask about initial periods and adjustment limits
- Home Equity Line of Credit (HELOC) · Access equity without a full refi
- Non-owner-occupied / investor · Rental and second-home financing
- 2-4 unit multi-family · Owner-occ and investment
- Full-doc / bank-statement · Options for self-employed
- Commercial · Small-balance commercial real estate
That's the point of a broker
Tell Lee about your plans, budget, and timeline. He can explain which loan programs may fit and help you compare their costs and requirements.
Refinancing or exploring another loan? Tell Lee what you're planning.