MortgageFi · Financing with perspective.
A broader view.
A considered beginning.
Let’s find your direction.
No SSN. No credit pull. A simple starting point for your mortgage conversation.
What’s your next move?
Start with your goal. We’ll organize the details and show you program paths to explore.
No name, email, SSN, or contact details needed. Answers stay in this page until you leave or restart.
Tell us about the property.
A little context helps separate the possibilities. An address isn’t needed.
Exploring a state here does not confirm licensing or program availability. Those are checked before a loan can proceed.
No name, email, SSN, or contact details needed. Answers stay in this page until you leave or restart.
Let’s frame the numbers.
Estimates are fine. Leave amounts blank if you’re still figuring them out.
Alternative-income and rental-property programs may use different documentation. A specialist reviews which approach fits your situation.
No name, email, SSN, or contact details needed. Answers stay in this page until you leave or restart.
A little more context.
This is planning, not a credit application. No credit report is requested.
An estimate is enough for this overview. Credit, property details, income, assets, and lender guidelines all affect actual eligibility.
No name, email, SSN, or contact details needed. Answers stay in this page until you leave or restart.
A clearer path starts here.
Private scenario preview. Your scenario is ready. No request has been sent. Explore these starting points, then talk through the details with a mortgage specialist.
Scenario prepared · Ready to discuss
Your scenario at a glance
- Your goal
- Your mortgage
- Property state
- Not selected
- Occupancy
- Not provided
- Property
- Not provided
- Estimated property value
- Not provided
- Financing requested
- Not provided
- Income approach
- Not provided
- Timing
- Not provided
- Estimated credit band
- Not provided
A 5+ unit or commercial property needs a property-specific commercial review. These paths organize that conversation; the property use and financing structure still need to be confirmed.
The property type needs a closer look before a loan path can be chosen. Start with a manual scenario review.
You selected investment financing with an occupancy other than investment / rental. A specialist should confirm the intended property use before choosing an investment-property program.
Reverse mortgage paths are not shown for a second home or rental. Income- and asset-based paths may be worth discussing, subject to the property and lender review.
A mortgage specialist can help identify program paths after reviewing your property, income, and goals.
Program paths worth exploring
Conventional loans
A mortgage without a federal government insurance or guarantee. Compare conforming financing against your income, credit, down payment, and property goals.
Explore this program →FHA loans
An FHA-insured mortgage path for an eligible principal residence. Review the down payment, mortgage insurance, and total housing cost together.
Explore this program →VA loans
A VA-backed home loan for eligible service members, veterans, and certain surviving spouses. Start by confirming service eligibility and the financing requirements.
Explore this program →USDA loans
Explore USDA-guaranteed financing for an eligible primary residence. Both the property location and household income need review.
Explore this program →Jumbo loans
Explore financing above the applicable conforming loan limit. Review a larger loan with the income, liquidity, and property details it deserves.
Explore this program →First-time homebuyer
Compare purchase options around your savings, income, and monthly budget. First-time buyer support is a planning path rather than one universal loan product.
Explore this program →Down payment assistance review
Explore whether a state, local, or lender assistance program may fit your purchase. Availability must be confirmed for your address and household.
Explore this program →Renovation loans
Review financing that combines an eligible home purchase or refinance with renovation work. The project scope and the financing need to work together.
Explore this program →Construction financing
Explore financing for a proposed residential build. Review the land, budget, builder, and permanent financing plan early.
Explore this program →Rate & term refinance
Review replacing the existing mortgage to change its rate, term, or structure. Compare closing costs and the time you expect to keep the loan.
Explore this program →Cash-out refinance
Explore a new mortgage that pays off existing liens and may provide cash from available equity. Compare it with keeping the first mortgage and adding a second lien.
Explore this program →Home equity line of credit
A HELOC is a revolving line secured by your home. Compare access to funds with its rate structure, draw period, and repayment obligations.
Explore this program →Home equity loan / second mortgage
Explore a closed-end home equity loan while retaining the existing first mortgage. Review its payment and costs together with every lien on the home.
Explore this program →Debt consolidation review
Compare using mortgage equity to repay other debts with keeping those debts separate. Look beyond the monthly payment to the total cost and term.
Explore this program →FHA streamline refinance
Explore whether an existing FHA mortgage fits the streamline refinance path. Review the benefit, payment history, insurance, and costs with a licensed loan professional.
Explore this program →VA IRRRL refinance
Explore the VA Interest Rate Reduction Refinance Loan for an existing VA-backed mortgage. Confirm program requirements and the actual financial benefit.
Explore this program →DSCR purchase
Explore a business-purpose rental loan that reviews the property’s qualifying income in relation to its required housing payment. The borrower, property, and transaction still need underwriting.
Explore this program →DSCR rate & term refinance
Explore refinancing an eligible rental property through a DSCR path. Compare the existing loan with the proposed payment, costs, and investment plan.
Explore this program →DSCR cash-out refinance
Explore accessing available investment-property equity through a new rental loan. Review the resulting payment and cash flow before choosing a structure.
Explore this program →Short-term rental loans
Explore financing for an eligible short-term rental. Historical income, local operating rules, and the investor’s income methodology all need a closer look.
Explore this program →Rental portfolio review
Review several investment properties as part of one financing strategy. Compare property-by-property loans with any eligible portfolio structure.
Explore this program →Investor second mortgage review
Explore whether an eligible investment-property second lien can fit behind the existing mortgage. Availability depends on the investor, property, and state.
Explore this program →Bank statement loans
Explore an alternative income-documentation path using eligible bank statements. Deposits need to be reviewed for qualifying income rather than treated as income automatically.
Explore this program →1099 income loans
Explore qualifying income using eligible 1099 documentation. Review the work history, expenses, and consistency behind the reported income.
Explore this program →Profit & loss loans
Explore a lender-specific income path built around an eligible profit and loss statement. The preparer, reporting period, and supporting records need review.
Explore this program →Written VOE scenario review
Explore whether a lender-specific written verification of employment path fits the file. The employment, income, and verification method must satisfy the selected program.
Explore this program →Asset utilization / depletion
Explore whether eligible assets can support qualifying income under a lender’s asset-utilization method. Account type, access, and required reserves affect the calculation.
Explore this program →Asset qualifier loans
Explore a lender-specific mortgage path that focuses on eligible verified assets. Confirm the asset test and required documentation for the actual program.
Explore this program →Self-employed equity review
Explore whether alternative income documentation can be used for an eligible equity loan. Compare a refinance, a line of credit, and a second mortgage where available.
Explore this program →HECM reverse mortgage
An FHA-insured reverse mortgage for eligible homeowners age 62 or older. Compare the costs and repayment events with the option of keeping a traditional mortgage.
Explore this program →HECM for purchase
Explore an eligible home purchase using HECM reverse mortgage financing. Review the required borrower funds, counseling, occupancy, and ongoing homeownership obligations.
Explore this program →Proprietary reverse mortgage review
Explore a proprietary reverse mortgage where available. Compare its protections, costs, proceeds, and obligations with an FHA-insured HECM.
Explore this program →Retirement income mortgage review
Review a purchase or refinance using eligible retirement income and assets. Compare a traditional mortgage with other strategies before choosing.
Explore this program →Foreign national investor loans
Explore a lender-specific financing path for an eligible foreign national investing in U.S. property. Identity, assets, residency status, and property requirements need review.
Explore this program →ITIN investor scenario review
Explore an eligible non-owner-occupied investment-property scenario using an ITIN. The taxpayer identification, income, property, and lender requirements need individual review.
Explore this program →Investment property bridge loans
Explore short-term business-purpose financing for an eligible investment property. Review the acquisition, holding costs, and repayment strategy together.
Explore this program →Fix & flip financing
Explore business-purpose financing for an eligible investment renovation project. Start with the acquisition basis, scope, timeline, and planned sale or refinance.
Explore this program →Multifamily financing
Explore financing for an eligible multifamily property. The unit count and property operations determine whether the file belongs in a residential or commercial review.
Explore this program →Commercial property financing
Explore a commercial property financing scenario with the operations and sponsor profile in view. Review occupancy, cash flow, leases, and the intended use of funds.
Explore this program →Complex property & credit review
Start a manual review when the property, title, credit history, or transaction does not fit an obvious path. A clear explanation helps identify what can be evaluated next.
Explore this program →These are starting points for a conversation, not an eligibility result, quote, credit decision, or loan commitment. State licensing, lender availability, documentation, and underwriting review determine available options.
Call 844-MTGFI-4U · Your scenario is ready. No request has been sent.