Every lineup card is different. Here's the full roster — with the actual requirements for each program, not a brochure. Not sure which one fits? That's a 15-minute conversation.
Most buyers should start by comparing a conventional loan.
$1M–$5M+ purchases and refinances, including super-jumbo and asset-based structures.
See requirementsAs little as 3% down with PMI that drops off at 20% equity. The benchmark loan.
See requirements3.5% down with a 580 credit score. The most forgiving path to a first home.
See requirements$0 down, no mortgage insurance, for Veterans and active-duty service members.
See requirementsCash-offer program for buyers competing in multiple-offer situations — for Realtors and builder sales reps.
See requirementsKeep deals alive when traditional financing says no — lease-to-own path for Realtors and builder sales reps.
See requirementsQualify on 12–24 months of deposits instead of tax returns.
See requirementsQualify on savings, brokerage, and retirement assets — no employment income required.
See requirementsQualify on the property's rent, close in an LLC, and scale past the agency cap.
See requirementsFifteen minutes with Steve Kent — former MLB pitcher, mortgage professional — and you'll know exactly which program gets you the best number.
Steve Kent · NMLS #1621847 · Licensed in 22 states