Home Purchase Loans Made Simple
Loan Programs for Home Purchases
Conventional Loans
Standard home loans that follow traditional lending rules and usually require solid credit and steady income.
Federal Housing Authority (FHA) Loans
Government-insured mortgages that offer flexible credit requirements and low down-payment options.
Veteran Affairs (VA) Loans
A mortgage benefit for eligible veterans and service members, often requiring no down payment and offering flexible terms.
Debt Service Coverage Ratio (DSCR) Loans
Investor-focused loans that rely on a property’s rental income to qualify, not the borrower’s personal income.
Bank Statement Loans
Designed for self-employed borrowers, these loans use bank deposits to verify income instead of tax returns or W-2s.
Asset Based Loans
A mortgage option that lets you qualify using your liquid assets like savings or investment accounts rather than traditional income paperwork.
HOPER | FHA Energy Efficiency Program
An FHA-backed down-payment assistance program that includes up to $13,000 in financial assistance and lets you roll approved energy-saving upgrades into your mortgage.








