Loan Programs
With 160+ wholesale lenders through Equity Smart Home Loans, I can match nearly any borrower to a program. From standard agency loans to specialty Non-QM, government-backed, and commercial financing. Click any program below for the full breakdown.
Category 01
Core agency programs — what most homeowners need.
Purchase Loan
Buying your first or next home.
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Rate & Term Refinance
Lower your rate or change your loan term.
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Cash-Out Refinance
Tap home equity for renovations, debt, or goals.
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Conventional Loan
The most common loan type — Fannie Mae & Freddie Mac.
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Jumbo Loan
Loan amounts above conforming limits.
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Super Jumbo Loan
High-balance financing for luxury properties.
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HELOC
Revolving line of credit secured by your home.
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Home Equity Loan
Fixed-rate second mortgage on your equity.
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Category 02
Lower down payments and flexible guidelines.
FHA Loan
Low down payment, flexible credit guidelines.
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VA Loan
$0 down for qualifying veterans and service members.
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USDA Loan
$0 down for eligible rural & suburban properties.
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First-Time Buyer Programs
Down payment help and special pricing for first-timers.
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Down Payment Assistance
Grants, deferred loans, and matching programs.
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Category 03
For business owners, investors, and unique income.
Bank Statement Loan
Qualify on deposits, not tax returns.
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P&L Only Loan
CPA-prepared profit & loss statement.
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1099 Income Loan
For independent contractors paid via 1099.
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Asset Depletion Loan
Use liquid assets to qualify instead of income.
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DSCR Loan
Investor loans qualified on rental cash flow.
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ITIN Loan
Financing for borrowers without a Social Security Number.
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Foreign National Loan
For non-US citizens financing US property.
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No-Ratio Loan
No income or DTI ratio used to qualify.
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Category 04
Programs for non-standard properties and situations.
Non-Warrantable Condo
Condos that don't meet Fannie/Freddie warrantability.
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Second Home Loan
Vacation property and seasonal residences.
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Investment Property Loan
1–4 unit residential rentals.
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Reverse Mortgage (HECM)
Convert home equity to income at 62+.
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Renovation / 203(k) Loan
Roll renovation costs into your purchase loan.
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Construction-to-Permanent
Build a home with one loan that converts to a mortgage.
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Category 05
For business owners and commercial real estate.
SBA 7(a) Loan
SBA's flagship program for owner-occupied properties.
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SBA 504 Loan
Long-term, fixed-rate commercial real estate.
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Commercial Real Estate Loan
Office, retail, industrial, mixed-use.
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Multi-Family Loan
5+ unit apartment buildings.
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Bridge Loan
Short-term financing between transactions.
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Fix-and-Flip Loan
Short-term financing for renovate-and-resell projects.
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Ground-Up Construction
Investor financing to build from the ground up.
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Don't see your scenario?
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