Start with the goal. Then find the financing.

View First-Time Buyer Solutions

The product matters. The complete structure matters more.

PURPOSE

What the financing should accomplish

PROFILE

How qualification may be evaluated

PROPERTY

What the transaction requires

A BETTER WAY TO EXPLORE

You are not expected to diagnose your own mortgage.

Program names can be useful, but they are not a substitute for strategy. We begin with the decision you are trying to make and identify the options that deserve a closer comparison.

01 Start with the financial objective.

Purchase, refinance, access equity, renovate, build, or invest.

02 Understand the borrower profile.

Income, credit, assets, obligations, experience, and documentation.

03 Match the property and transaction.

Occupancy, property type, condition, value, timeline, and intended use.

CHOOSE BY GOAL

Find a useful starting point.

These pathways organize the program library around the outcome a borrower is pursuing—not the terminology used by a lender.

01 — PURCHASE

Buy a Primary or Second Home

Explore traditional and specialty purchase options for eligible Arizona homebuyers.

View Purchase Solutions

02 — FIRST HOME

Prepare for Your First Purchase

Understand readiness, lower-down-payment paths, assistance possibilities, and the complete buying process.

03 — REFINANCE

Improve or Restructure a Mortgage

Compare rate-and-term, cash-out, streamline, and second-lien possibilities around a defined objective.

View Refinance Solutions

04 — INCOME

Qualify Beyond a Standard Paycheck

Explore options for self-employed borrowers, business owners, contractors, commission earners, and other income profiles.

View Alternative-Income Solutions

05 — INVEST

Finance Residential Real Estate

Review rental, DSCR, bridge, fix-and-flip, and other investment-property financing paths.

View Investment Solutions

06 — PROPERTY

Build, Renovate, or Reposition

Explore construction, renovation, rehabilitation, and transition financing for eligible properties and projects.

View Project Financing

ADVISOR-LED COMPARISON

Programs are tools.
Structure is the strategy.

Two loans with similar names can behave very differently once pricing, mortgage insurance, fees, documentation, reserves, property rules, and timing are considered.

01 Qualification fit

Which guidelines align with the income, assets, credit, property, and transaction.

02 Cash required

Down payment, closing costs, reserves, prepaid expenses, and retained liquidity.

03 Payment and long-term cost

Rate, term, mortgage insurance, fees, flexibility, and expected holding period.

04 Execution

Documentation, appraisal approach, underwriting, closing timeline, and lender responsiveness.

BROWSE THE DIRECTORY

Mortgage solutions for different financial lives.

Use the filters as a starting point. Your advisor can help confirm which programs are relevant and which details require verification.

Conventional Standard

One of today's most popular mortgage options for buying or refinancing a home with competitive rates and flexible loan terms.

Freddie Mac Home Possible

Designed to make homeownership more affordable with flexible income requirements and low down payment options for eligible buyers.

Freddie Mac HomeOne

Buy your first home with a low down payment option designed to make homeownership more attainable for eligible buyers.

Fannie Mae RefiNow

Eligible homeowners may qualify for a refinance designed to reduce monthly payments and improve long-term affordability.

Fannie Mae HomeReady

Make homeownership more affordable with flexible income guidelines and low down payment options for eligible homebuyers.

Freddie Mac Refi Possible

Refinance your existing mortgage with flexible options designed to help eligible homeowners lower their monthly payment or improve their loan terms.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

VA Standard

Eligible military service members and veterans can purchase or refinance with competitive benefits and as little as 0% down.

FHA Standard

Buy or refinance with flexible qualification requirements and low down payment options designed to make homeownership more accessible.

FHA 203(k)

Buy or refinance a home while financing eligible repairs and renovations with one FHA mortgage.

USDA Renovation

Purchase a rural home and finance eligible improvements with one convenient mortgage designed for qualifying properties

VA IRRRL

Already have a VA loan? Refinance with a streamlined process designed to lower your interest rate or monthly payment.

FHA High Balance

Purchase or refinance higher-priced homes in eligible areas while enjoying the benefits of FHA financing.

USDA Standard

Eligible rural homebuyers can enjoy affordable financing with low upfront costs and flexible qualification requirements.

VA Renovation

Purchase or refinance a home while financing eligible renovations into one convenient VA loan.

FHA Streamline Refinance

Already have an FHA loan? Lower your rate or monthly payment with a simplified refinance designed for existing FHA homeowners.

USDA Streamline

Already have a USDA loan? Refinance with a simplified process designed to help eligible homeowners lower their payment.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

12/24 Month Bank Statement

Self-employed borrowers may qualify using bank statements instead of tax returns to document income.

1Y or 2Y Full Doc

Self-employed? Qualify using one or two years of tax returns while taking advantage of flexible lending options.

WVOE

Self-employed or commission-based? Eligible borrowers may qualify using a Written Verification of Employment instead of traditional income documentation.

No Income Home Loan

Qualify using alternative documentation when traditional income verification isn't the best fit for your financial situation.

ITIN

Homeownership may still be possible without a Social Security Number. Eligible borrowers can purchase or refinance using an ITIN.

1Y or 2Y P&L

Self-employed borrowers may qualify using a profit and loss statement instead of traditional tax returns.

Asset Utilization

Use eligible assets and investments to help qualify for a mortgage instead of relying solely on traditional employment income.

Jumbo

Financing designed for higher-priced homes that exceed conventional loan limits with flexible options for qualified borrowers.

1099

Self-employed or an independent contractor? Qualify using your 1099 income instead of traditional tax return calculations.

Foreign National

Purchasing property in the U.S. without U.S. residency? Financing options are available for eligible foreign nationals looking to buy or invest.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

STR DSCR

Finance short-term rental properties using income generated by the property instead of your personal income.

Hard Money Bridge

Need to move quickly on an investment opportunity? Secure short-term financing designed for fast closings and flexible lending solutions.

LTR DSCR

Grow your long-term rental portfolio with financing that qualifies primarily on your property's rental income.

Fix & Flip Rehab

Purchase, renovate, and resell investment properties with financing designed for experienced and aspiring real estate investors.

2nd Lien DSCR

Access your property's equity while keeping your current mortgage. Designed for eligible real estate investors using rental income to qualify.

Ground-Up Construction

Build your investment property from the ground up with financing designed specifically for residential construction projects.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

Home Equity Line

Access your home's equity when you need it with a flexible line of credit that allows you to borrow as needed.

Home Equity Loan

Need funds for a major expense? Access your home's equity with predictable monthly payments while keeping your existing mortgage.

2nd Lien DSCR

Access your property's equity while keeping your current mortgage. Designed for eligible real estate investors using rental income to qualify.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

One-Time Close

Finance your land, construction, and permanent mortgage with one loan and one closing for a simpler building experience.

Ground-Up Construction

Build your investment property from the ground up with financing designed specifically for residential construction projects.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

FHA 203(k)

Buy or refinance a home while financing eligible repairs and renovations with one FHA mortgage.

VA Renovation

Purchase or refinance a home while financing eligible renovations into one convenient VA loan.

Fannie Mae HomeStyle

Finance eligible home improvements while purchasing or refinancing your home with one convenient mortgage.

USDA Renovation

Purchase a rural home and finance eligible improvements with one convenient mortgage designed for qualifying properties.

CHOICE Renovation

Purchase or refinance a home and finance eligible renovations into one convenient mortgage. Create the home you want without multiple loans.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

Buy Before You Sell

Purchase your next home before selling your current one, giving you more flexibility and less pressure during your move.

No MI Purchase

Reduce your monthly housing costs by purchasing a home without monthly mortgage insurance on eligible loan programs.

Down Payment Assistance

Eligible homebuyers may receive assistance with upfront costs, making homeownership more affordable.

Temporary Buydown

Lower your monthly payment during the first years of your loan, making homeownership more affordable when you need it most.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

Interest Only

Enjoy lower monthly payments during the initial years of your loan, providing greater flexibility and improved cash flow.

Cash Out 90

Need access to more of your home's equity? Qualified homeowners may be eligible to cash out up to 90% of their home's value.

ARM

Start with a lower introductory interest rate that may reduce your monthly payment during the initial fixed-rate period.

Flex Term

Customize your mortgage with flexible loan terms that better fit your financial goals and long-term plans.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

Doctor Loans

Physicians and other eligible medical professionals may qualify for financing designed around their unique career path.

Appraisal Waiver

Skip the appraisal on eligible transactions, helping save time and simplify the mortgage process.

Heter Iska Lending

Financing solutions structured to accommodate borrowers seeking lending options that align with Heter Iska principles.

Reverse Mortgage

Turn a portion of your home's equity into cash while continuing to live in your home. Available to eligible homeowners age 62 and older.

Manual Underwriting

Financing solutions are available for borrowers whose financial story may benefit from a more personalized review.

Descriptions are educational summaries—not offers, approvals, or complete program guidelines. Availability, terms, property eligibility, and qualification vary by lender and transaction.

HOW WE NARROW THE OPTIONS

From a broad marketplace to a focused recommendation.

Access creates possibility. A disciplined process turns that access into a useful borrower decision.

01 — OBJECTIVE

Define the decision

Clarify the property, timing, desired payment, available cash, and larger financial objective.

02 — PROFILE

Understand the borrower

Review income, employment, assets, credit, obligations, ownership, and documentation.

03 — PROPERTY

Confirm the transaction

Evaluate occupancy, property type, condition, value, project scope, and deadlines.

04 — MARKET

Identify relevant lenders

Compare lenders and programs whose guidelines appear to align with the complete scenario.

05 — STRUCTURE

Analyze the tradeoffs

Review pricing, cost, payment, cash, documentation, flexibility, and execution.

06 — RECOMMEND

Explain the path

Present the relevant options, unresolved questions, and practical next step.

WHY COMPARISON MATTERS

Similar programs can produce different outcomes.

Wholesale lenders may approach the same borrower or property differently. The value is not merely having options—it is understanding what makes one option more suitable than another.

COMPARISON 01

Guidelines are not identical.

Income calculation, credit history, reserves, property rules, and documentation can vary across lenders and programs.

COMPARISON 03

Cash preservation may change the decision.

A structure requiring less cash may support reserves or another objective even when the monthly payment differs.

COMPARISON 02

The lowest rate may not mean the lowest cost.

Pricing, points, fees, mortgage insurance, loan term, and expected holding period should be viewed together.

COMPARISON 04

Execution can determine the outcome.

Underwriting fit, appraisal requirements, communication, and closing reliability matter once a transaction is underway.

Illustrative educational guidance only. A refinance analysis depends on the borrower, current loan, property, available programs, costs, and goals.

NOT SURE WHERE TO BEGIN?

Bring the situation—not the program name.

Tell us what you want to accomplish, what you know about the property, and what concerns you most. We will help organize the conversation and identify the information needed for a meaningful comparison.

A USEFUL STARTING POINT

Your objective

Purchase, refinance, equity, renovation, investment, or construction

Your financial profile

Income, employment, assets, credit, and obligations

The property

Type, occupancy, condition, location, value, and timeline

Your priorities

Payment, cash, speed, flexibility, and long-term plan

CLIENT EXPERIENCE

“He made everything easy to understand—especially when it came to numbers—and kept me informed every step of the way.”

Adapted from a verified EHG Mortgage Google review

YOUR NEXT STEP

Explore independently.
Decide with an advisor.

Use the directory to learn what may be possible, then let us help determine which options fit the verified borrower and transaction.

Ready to move from research to review?

Choose a conversation or begin the secure application.