Explore programs for the scenario in front of you.
Browse homebuyer, specialty, investor, commercial, and business-purpose options. Program fit, guidelines, and availability vary.
← Back to HRS homeFind a program that may fit the scenario.
Use these quick descriptions to spot a possible direction. Select a scenario to review program details and eligibility.
Conforming & Homebuyer Loans
6 program optionsNo Money Down
Buyers with 600+ credit, two years of verifiable employment, and limited funds to close, subject to program eligibility.
View program detailsFHA
Buyers who need a flexible path to homeownership and may benefit from FHA guidelines.
View program detailsConventional — Fannie Mae / Freddie Mac
Buyers whose credit, income, and property fit conventional agency guidelines.
View program detailsUSDA
Eligible buyers purchasing in a qualifying area who meet program requirements.
View program detailsVA
Eligible veterans, service members, and surviving spouses purchasing or refinancing a home.
View program detailsDown Payment Assistance
Eligible buyers who need help with their down payment or closing costs.
View program detailsNon-QM & Specialty Home Loans
13 program optionsITIN
Borrowers using an ITIN who need an option designed for their documentation profile.
View program detailsForeign National
International buyers looking to finance eligible U.S. property.
View program details12–24 Month Bank Statement
Self-employed borrowers with strong deposits whose tax returns don’t show enough qualifying income; some options may start at 10% down.
View program detailsUnaudited P&L Only
Business owners whose documented income may support qualifying without audited financial statements.
View program detailsWritten Verification of Employment Only
Employed borrowers whose income can be verified directly with their employer under program guidelines.
View program details1099 Only
Independent contractors whose 1099 income may be a better fit than traditional documentation.
View program detailsAsset Depletion / Utilization
High-asset borrowers whose income documentation doesn’t reflect their ability to repay.
View program detailsNo-Ratio
Borrowers whose scenario doesn’t fit standard debt-to-income calculations but may fit an alternative review.
View program detailsJumbo / Portfolio
Buyers seeking a larger loan or a solution outside standard agency guidelines.
View program detailsEAD / Work Permit
Borrowers with eligible work authorization who need an option tailored to their documentation.
View program detailsCondo Financing
Buyers purchasing a condo that needs project-specific financing review.
View program detailsNon-Warrantable Condo Financing
Buyers purchasing a condo project that doesn’t meet standard agency requirements.
View program detailsCondotel Financing
Buyers financing a condo-hotel unit with hotel or rental features.
View program detailsInvestor Loans
9 program optionsDSCR
Investors whose property rental income may support financing.
View program detailsGround-Up Construction
Investors building a new property who need financing for construction.
View program detailsFix and Flip
Investors purchasing and renovating a property for resale.
View program detailsBlanket Mortgage
Investors financing multiple properties under one loan.
View program detailsTransactional Funding
Investors who need short-term capital for an eligible, time-sensitive purchase and resale.
View program detailsPrivate Money
Investors who need a flexible, asset-focused financing option.
View program detailsBridge Loans
Investors who need short-term financing while repositioning, refinancing, or selling a property.
View program detailsRental Portfolio / Permanent Financing
Investors seeking longer-term financing for rental properties or a portfolio.
View program detailsFix-to-Rent
Investors buying or renovating a property they plan to hold as a rental.
View program detailsCommercial Loans
3 program optionsCommercial Real Estate Financing
Businesses and investors purchasing or refinancing eligible commercial property.
View program detailsMultifamily Financing
Investors financing eligible multifamily properties.
View program detailsSBA Real Estate Financing
Eligible businesses pursuing financing for real estate used in their business.
View program detailsBusiness Loans
8 program optionsRevenue Advance
Businesses with consistent revenue seeking capital for near-term needs.
View program detailsUnsecured Line of Credit
Businesses seeking revolving access to working capital.
View program detailsInvoice Factoring
B2B businesses waiting on customer invoices and needing access to cash sooner.
View program detailsPurchase Order Factoring
Businesses with confirmed orders that need funds to fulfill them.
View program detailsSBA — No Real Estate
Eligible businesses seeking SBA financing for non-real-estate business needs.
View program detailsEquipment Funding
Businesses purchasing or refinancing equipment.
View program detailsBusiness Term Loan
Businesses seeking a lump sum for a defined project or expense.
View program detailsWorking Capital
Businesses needing funds for operating expenses, inventory, or growth.
View program detailsProgram availability, qualifying guidelines, property types, and state coverage vary by product. A scenario review is not a loan approval or commitment to lend.
Have a scenario to review?
A brief scenario review can help identify which lending path may be worth exploring.