MortgageFi · Financing with perspective.
A broader view.
A considered beginning.
Your income has more than one story.
Explore alternative documentation paths for business owners, independent professionals, and borrowers with substantial assets.
A broader range.
A more considered fit.
Conventional loans
A mortgage without a federal government insurance or guarantee. Compare conforming financing against your income, credit, down payment, and property goals.
FHA loans
An FHA-insured mortgage path for an eligible principal residence. Review the down payment, mortgage insurance, and total housing cost together.
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.
USDA loans
Explore USDA-guaranteed financing for an eligible primary residence. Both the property location and household income need review.
Jumbo loans
Explore financing above the applicable conforming loan limit. Review a larger loan with the income, liquidity, and property details it deserves.
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.
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.
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.
Construction financing
Explore financing for a proposed residential build. Review the land, budget, builder, and permanent financing plan early.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Rental portfolio review
Review several investment properties as part of one financing strategy. Compare property-by-property loans with any eligible portfolio structure.
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.
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.
1099 income loans
Explore qualifying income using eligible 1099 documentation. Review the work history, expenses, and consistency behind the reported income.
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.
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.
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.
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.
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.
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.
HECM for purchase
Explore an eligible home purchase using HECM reverse mortgage financing. Review the required borrower funds, counseling, occupancy, and ongoing homeownership obligations.
Proprietary reverse mortgage review
Explore a proprietary reverse mortgage where available. Compare its protections, costs, proceeds, and obligations with an FHA-insured HECM.
Retirement income mortgage review
Review a purchase or refinance using eligible retirement income and assets. Compare a traditional mortgage with other strategies before choosing.
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.
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.
Investment property bridge loans
Explore short-term business-purpose financing for an eligible investment property. Review the acquisition, holding costs, and repayment strategy together.
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.
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.
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.
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.
This catalog shows financing paths to explore. Availability, licensing, and eligibility must be confirmed for each scenario.
Your next chapter.
Consider the possibilities.
Begin with a goal. Explore your possibilities. Prepare for the conversation.