When a deal gets stuck, call me.

The buyers you see every week, with more ways to get them to the closing table.

• Conventional: as little as 3% down for first-time buyers
• FHA: 3.5% down, credit scores from 580
• VA: 0% down for veterans and active-duty buyers
• USDA: 0% down in eligible areas
• Jumbo: loan amounts above the conforming limit
• Down payment assistance: grants and programs for first-time buyers
• Doctor loans: low down payment and no PMI for physicians and other medical professionals
• 2–4 unit homes: your buyer lives in one unit, and the rent from the others helps them qualify
• Condos, co-ops and non-warrantable condos: including the buildings other lenders won't touch
• Manufactured and modular homes
• Section 184: home loans for Native American buyers

Your buyer makes real money. Their tax return says otherwise.

• Bank statement loans: 12 or 24 months, personal or business accounts
• P&L only: qualify on a profit and loss statement signed by a CPA or tax preparer
• 1099 only: for contractors and gig workers
• Asset-based: qualify on savings, retirement or stock (RSUs) instead of income
• Written VOE only: the employer verifies income in writing, no tax returns
• K-1 only: for partners and S-corp owners
• One year of tax returns instead of two
• Recent credit event: a bankruptcy, foreclosure or short sale in the past few years
• Interest-only payment options

No Social Security number, or no U.S. credit at all. Still a buyer.

• ITIN loans: for buyers who file taxes with an ITIN
• Foreign national loans: no U.S. credit history required
• Work-visa and non-permanent resident buyers

Your investor wants to qualify on the rent and leave the W-2 out of it.

• DSCR loans: qualify on the property's rental income, no personal income docs
• Short-term rental DSCR: Airbnbs and vacation rentals
• 5–10 unit residential
• Fix and flip, fix and hold: purchase plus rehab money
• Bridge loans: buy the next one before the last one sells
• Ground-up construction for investors
• Private and hard money: for the deals that can't wait or don't fit a box
• Close in an LLC or a trust

The house needs work, or there's no house yet.

• FHA 203(k), Standard and Limited: buy plus repairs in one loan
• Fannie Mae HomeStyle: the conventional renovation loan
• Renovation loans based on the after-repair value
• One-time-close construction: build the home with a single closing
• Lot and land loans

Your past clients are sitting on equity. That's your next deal.

• Cash-out refinance
• Rate-and-term refinance
• FHA Streamline and VA IRRRL: the VA streamline
• NEXA HELOC: all-digital, funded in under 5 days
• Home equity loans: fixed-rate second mortgages
• Home equity agreements: cash now in exchange for a share of the home's future value, with no monthly payment

Your 62-year-old seller wants to move without taking on a new payment.

• HECM reverse mortgage: for homeowners 62 and older who want to turn equity into cash
• Reverse for purchase: buy the next home with no monthly mortgage payment (taxes and insurance still apply)
• Jumbo reverse: for higher-value homes

Five units and up, storefronts, and the building your client's business runs out of.

• Multifamily, 5+ units
• Mixed-use
• Retail, office and industrial
• Owner-occupied business property
• Church and ministry loans