Loan programs
The full menu — because “no” usually just means the wrong lender.
As a brokerage we hold approvals with dozens of wholesale lenders across every category below. One conversation with our team checks your scenario against all of them.
Agency & Government
The workhorse programs for primary residences — including the low- and zero-down options first-time buyers rely on.
Conventional
Fannie Mae / Freddie Mac financing with competitive pricing for strong credit profiles.
Good fit: Buyers and refinancers with established credit
FHA
3.5% down with flexible credit guidelines — often the fastest route to homeownership.
Good fit: First-time buyers and rebuilding credit
VA
Zero-down loans with no monthly mortgage insurance for those who served.
Good fit: Veterans and active-duty military
USDA
Zero-down financing for eligible rural and suburban properties.
Good fit: Buyers outside major urban cores
Down Payment Assistance
Local, state, and national grants and second liens layered onto your first mortgage.
Good fit: Buyers short on down payment, not on income
Non-QM & Alternative Income
Real qualifying paths for borrowers whose income doesn't fit inside a W-2 — where we win deals retail banks can't touch.
DSCR (Investor)
Qualify on the property's rental income — no tax returns or personal income docs.
Good fit: Real estate investors scaling a portfolio
Bank Statement
12 or 24 months of deposits stand in for tax returns.
Good fit: Self-employed borrowers and business owners
Asset Depletion
Turn liquid assets into qualifying income without selling a thing.
Good fit: High-asset, lower-documented-income borrowers
P&L Statement
Qualify with a CPA-prepared profit & loss statement.
Good fit: Business owners with complex returns
Foreign National
US real estate financing without US citizenship or residency.
Good fit: International buyers and investors
ITIN
Homeownership without a Social Security Number.
Good fit: Borrowers with an ITIN tax ID
Construction & Bridge
Financing for what doesn't exist yet — and for the gap between the home you have and the home you want.
Ground-Up Construction
Residential and commercial builds from dirt to done.
Good fit: Builders and owner-builders
Construction-to-Permanent
One closing covers the build and converts to your permanent mortgage.
Good fit: Buyers building their primary home
Renovation (203k / HomeStyle)
Purchase and rehab budget in a single loan.
Good fit: Buyers of fixer-uppers
Bridge
Unlock your current home's equity to buy before you sell.
Good fit: Homeowners in transition and investors
Hard Money
Asset-based, fast-close capital when timing wins the deal.
Good fit: Flippers and investors on a deadline
Commercial & Business-Purpose
Beyond four walls and a family — financing for income-producing real estate.
Commercial Real Estate
Multifamily, mixed-use, retail, office, and industrial properties.
Good fit: Commercial investors and owner-users
SBA-Affiliated
Government-backed programs for owner-occupied business property.
Good fit: Small business owners
Multifamily Agency (5+ units)
Agency financing built for apartment buildings.
Good fit: Multifamily investors
Portfolio & Non-Agency
Flexible commercial structures outside standard guidelines.
Good fit: Deals that don't fit the box
Refinance
Whether the goal is a lower payment, cash in hand, or a simpler monthly picture — we re-shop the entire market on your behalf.
Rate-and-Term
Lower the rate or change the term across any product type.
Good fit: Anyone whose rate is above today's market
Cash-Out
Access equity for improvements, investments, or reserves.
Good fit: Homeowners with meaningful equity
Streamline (FHA / VA / USDA)
Reduced documentation refis for existing government loans.
Good fit: Current FHA, VA, and USDA borrowers
Debt Consolidation
Roll high-interest debt into one manageable payment.
Good fit: Borrowers juggling cards and loans
Not sure which program fits?
That's literally our job. Tell us your scenario and we'll shop it across the whole network — usually the same day.
Guthix Lending • NMLS# 2672037 · Programs subject to credit and property approval.