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YOUR LOAN OPTIONS
A loan that fitswhat’s next.
Buying, building, investing, or exploring your home equity? Start with your goal. We’ll talk through the programs, costs, and requirements together.
Buying a home
Self-employed or a different income picture
Building, renovating or buying land
Home equity & life changes
Investment properties
Commercial & small business
Buying a home
Explore familiar mortgage options and help with your down payment.
Conventional loans
Explore conventional mortgage options for your next home. Compare your down payment, mortgage insurance, and estimated costs.
What we’ll discuss
Your home and timeline
Down payment and estimated cash needed
Monthly payment and loan costs
Ask about this option →
FHA loans
Explore FHA financing and compare the down payment, upfront mortgage insurance, and monthly costs with conventional options.
What we’ll discuss
Your home and timeline
Down payment and estimated cash needed
Monthly payment and loan costs
Ask about this option →
VA loans
Ask about VA home financing, your eligibility, and the costs to consider for your purchase.
What we’ll discuss
Your home and timeline
Down payment and estimated cash needed
Monthly payment and loan costs
Ask about this option →
USDA loans
Discuss USDA financing and whether the property and your household meet program requirements.
What we’ll discuss
Your home and timeline
Down payment and estimated cash needed
Monthly payment and loan costs
Ask about this option →
Jumbo loans
Explore financing for larger loan amounts.
What we’ll discuss
Your home and timeline
Down payment and estimated cash needed
Monthly payment and loan costs
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Down payment assistance
Ask about available programs and eligibility.
What we’ll discuss
Your home and timeline
Down payment and estimated cash needed
Monthly payment and loan costs
Ask about this option →
Self-employed or a different income picture
Start a conversation about alternatives to standard income documentation.
Bank statement & 1099 income programs
Explore options for self-employed and contract income.
What we’ll discuss
How you receive income
Available documentation
Property and program requirements
Ask about this option →
ITIN & foreign national programs
Ask about available documentation and borrower requirements.
What we’ll discuss
How you receive income
Available documentation
Property and program requirements
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Limited or challenged credit
Ask about no-FICO options and select programs for scores as low as 500. Requirements vary by program and lender.
What we’ll discuss
How you receive income
Available documentation
Property and program requirements
Ask about this option →
Building, renovating or buying land
Explore financing for the home you want to create.
One-time-close & builder financing
Ask about financing options for a new build.
What we’ll discuss
Your land, plans, and budget
Builder and property requirements
Construction timeline and financing
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Construction & renovation
Discuss financing for building or improving a home.
What we’ll discuss
Your land, plans, and budget
Builder and property requirements
Construction timeline and financing
Ask about this option →
Land & lot loans
Explore financing for a parcel of land.
What we’ll discuss
Your land, plans, and budget
Builder and property requirements
Construction timeline and financing
Ask about this option →
Manufactured & modular homes
Ask which programs fit the home and property.
What we’ll discuss
Your land, plans, and budget
Builder and property requirements
Construction timeline and financing
Ask about this option →
Home equity & life changes
Talk through ways your mortgage could support your next chapter.
Home equity line of credit (HELOC)
A revolving line of credit secured by home equity. HELOCs typically have variable rates, so payments can change.
What we’ll discuss
Your current mortgage and equity
Your goals and expected timeline
Costs and ongoing obligations
Explore home equity options →
VA cash-out refinance
Ask about a refinance that accesses equity for eligible VA borrowers.
What we’ll discuss
Your current mortgage and equity
Your goals and expected timeline
Costs and ongoing obligations
Ask about this option →
Reverse mortgages
Discuss eligibility, costs, and ongoing homeowner obligations.
What we’ll discuss
Your current mortgage and equity
Your goals and expected timeline
Costs and ongoing obligations
Ask about this option →
Fixed-rate home equity loan (HELOAN)
A closed-end second mortgage that provides a lump sum with a fixed interest rate and scheduled principal-and-interest payments, separate from your first mortgage.
What we’ll discuss
Your current mortgage and equity
Your goals and expected timeline
Costs and ongoing obligations
Explore home equity options →
Divorce mortgage planning
Review mortgage considerations during a change in ownership or household.
What we’ll discuss
Your current mortgage and equity
Your goals and expected timeline
Costs and ongoing obligations
Ask about this option →
Investment properties
Explore financing that fits your property and investment plans.
DSCR & investment loans
Ask about rental-property financing, including debt-service coverage ratio (DSCR) options.
What we’ll discuss
Property use and rental plans
Purchase and renovation budget
Financing costs and exit plans
Ask about this option →
Bridge & hard money loans
Discuss short-term financing options and their costs.
What we’ll discuss
Property use and rental plans
Purchase and renovation budget
Financing costs and exit plans
Ask about this option →
Fix-and-flip financing
Explore financing for a property renovation and resale.
What we’ll discuss
Property use and rental plans
Purchase and renovation budget
Financing costs and exit plans
Ask about this option →
Closing in a business name
Ask which programs allow an eligible business entity to borrow.
What we’ll discuss
Property use and rental plans
Purchase and renovation budget
Financing costs and exit plans
Ask about this option →
Commercial & small business
Discuss financing needs beyond a personal home purchase.
Commercial loans
Explore options for commercial property financing.
What we’ll discuss
Your business and financing goals
Property or funding needs
Documentation, terms, and costs
Ask about this option →
Small business loans
Talk through available financing for your business.
What we’ll discuss
Your business and financing goals
Property or funding needs
Documentation, terms, and costs
Ask about this option →
YOU DON’T HAVE TO PICK ALONE
Tell me what you’re working toward.
We can narrow down the options together. If you want to explore a payment first, the calculators are a good place to start.
This is an overview of some available programs, not an offer or approval. Availability, documentation, terms, and eligibility depend on the lender, borrower, property, and applicable licensing. All loans are subject to credit and property approval. Contact Travis to confirm current options for your situation.