Conventional loans
As little as 3% down for qualified first-time buyers, with mortgage insurance that can come off as you build equity.
Loan programs
Find the loan that fits your life.
Every buyer is different. Ashley compares the options side by side so you can see the real payment and cash to close.
FHA loans
3.5% down with flexible credit guidelines — a common choice for first-time buyers and buyers rebuilding credit.
VA loans
For eligible veterans, service members and surviving spouses. Zero down payment and no monthly mortgage insurance.
USDA loans
Zero down for eligible homes in qualifying rural and suburban areas, subject to income limits.
Down payment assistance
Grants, forgivable loans and silent seconds layered onto your first mortgage — Ashley's specialty.
Jumbo loans
Financing above conforming loan limits for higher-priced homes, with options for strong-credit borrowers.
DSCR investor loans
Debt-service-coverage financing for rentals and short-term rentals — the property's rent is what qualifies you, with no tax returns or pay stubs. Purchase, refinance and cash-out options.
Construction loans
Finance the land and the build together, so you can create the home you actually want.
Renovation loans
Roll the cost of repairs or upgrades into one mortgage when buying or refinancing.
Physician loans
Low or no down payment options for doctors, with flexibility for student loans and new contracts.
Adjustable-rate (ARM)
A lower starting rate for a set period — a fit for buyers who plan to move or refinance.
Reverse mortgages
For homeowners 62+, turn home equity into cash flow with no required monthly mortgage payment. Taxes, insurance and upkeep still apply.
Refinancing
Lower your payment, shorten your term, remove mortgage insurance, or take cash out for other goals.
Self-employed & bank statement
Alternative documentation options for business owners and 1099 earners when tax returns don't tell the full story.
Investor financing
DSCR loans: qualify on the rent, not your pay stubs.
A debt service coverage ratio (DSCR) loan looks at what the property earns instead of what you earn. If the monthly rent covers the mortgage payment, the deal can work — even when your tax returns don't tell the whole story. Ashley runs the numbers on a specific property before you make an offer.
- ✓ Rentals and short-term rentals
- ✓ No tax returns or pay stubs
- ✓ Purchase, refinance or cash out
Need help with the down payment?
Browse grants and assistance programs in all 50 states on Down Payment Finder.
Talk to a real person.
A straight answer in about 10 minutes — no application, no credit pull, no obligation. Se habla español.