Your income structure, property type, and goals determine which program fits — and most lenders only show you what they have, not what's best. Browse the programs below, or use the quiz to find your match in under 2 minutes.
Not sure which fits your situation? Scan the cards or jump to the quiz below — it'll match you in under 2 minutes and tell you exactly what you'd need to qualify.
The standard for strong credit and stable income
Qualified on property cash flow, not personal income
Qualify on real deposits, not what taxes show
0% down · No PMI · Your earned benefit
Above conforming limits — structured for your situation
3.5% down · Flexible credit · Government backed
Access your equity — digitally, in days
Speed and flexibility over everything else
High net worth, low reportable income
Maximize cash flow · Preserve capital
0% down · No PMI · Excluded student loans
Mortgages for medical marijuana professionals
First-time buyers · Down payment assistance
When you go to a traditional retail bank, you sit across from a loan officer who only has access to their bank's specific product line. If you don't fit their exact box, you get denied. If their rates are high that day, you pay more.
As an independent mortgage broker, I don't work for a bank—I work for you. With access to over 170 wholesale lenders, I shop the entire market to find the exact program that fits your scenario, at the most competitive pricing available.
Credit cards at 24%. Auto loans at 8%. Your home equity sitting at 7%. Use this calculator to see your weighted average rate against a HELOC or Cash-Out Refinance — and find out exactly how much you could save monthly. We'll send you a PDF of your results.
🔒 Never sold or shared. We'll email your estimate and follow up only if you'd like.
Payment is an estimate based on your risk profile. Actual rates and pricing depend on a full file review.
7 quick questions. No credit pull. No obligation. Just an honest answer about which program fits your situation — and what you'd need to qualify.
This shapes everything else.
Skip the quiz. Call or message directly and tell me your situation. I'll tell you what programs you qualify for and what rate looks like — usually within a few hours.