We specialize in FHA, VA, conventional, jumbo, DSCR, commercial, investment property, and business purpose loans — sourced from multiple wholesale lenders. A licensed Mortgage Loan Originator walks you through the options that fit your situation.
We compare programs across multiple wholesale lenders. Your licensed MLO presents the options suited to your situation. Not all programs available in all states.
Government-backed programs insured by the FHA. Purchase, streamline refinance, 203(k) rehabilitation, and HECM reverse for eligible borrowers.
FHA programs & FAQ →Backed by the Dept. of Veterans Affairs for eligible veterans, active-duty members, and qualifying surviving spouses. No PMI required.
VA programs →Conforming programs following Fannie Mae and Freddie Mac guidelines. Primary residences, second homes, and investment properties.
Conventional programs →Non-conforming programs for loan amounts above the 2026 FHFA baseline of $832,750. Portfolio and private banking options for larger loan amounts.
Jumbo programs →Investment property loans qualifying on rental income. Commercial real estate, multifamily, mixed-use, and business purpose lending. Programs available beyond our 5 residential states.
DSCR & investment → Commercial programs →Specialty programs for self-employed, ITIN holders, foreign nationals, and asset-based qualification. Availability varies by lender.
Non-QM programs →Programs for eligible rural and suburban properties in FL, TN, SC, CO, and TX. Property and income eligibility requirements apply.
USDA eligibility map →Financing for new home construction and major renovation projects. Draw schedules, land-to-perm conversions, and builder programs available.
Construction programs →Upload your documents at AIMortgageApplication.com — our AI pre-fills your application. A licensed MLO reviews everything and shops lenders on your behalf.
Free calculators for every stage of your mortgage decision.
Calculate your debt-to-income ratio — a key qualifying factor for mortgage programs.
Open calculator →See how quickly you can pay off your mortgage and how much total interest you save.
Open calculator →Discover how extra monthly or lump-sum payments reduce your loan term and total interest paid.
Open calculator →Calculate the debt service coverage ratio for investment property loan eligibility.
Open calculator →Compare multiple loan scenarios side by side to find the most cost-effective option over time.
Open calculator →Determine your exact mortgage payoff amount including principal, interest, and applicable fees.
Open calculator →Explore our mortgage guides, luxury properties, calculators, and neighborhood resources.
*Application completion time may vary depending on document type, file readability, and complexity of financial profile. The AI data entry tool pre-fills your application from uploaded documents — actual processing and review time by a licensed Mortgage Loan Originator may vary. Not all documents may be fully readable by the AI system. All lending decisions made exclusively by licensed MLOs. NMLS# 1967971.
When a property exceeds the 2026 FHFA baseline of $832,750, non-conforming programs are required. We work with portfolio lenders suited to high-value transactions.
AK, HI & designated high-cost counties · 150% of baseline