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.
Buying your first home? Start with the first-time buyer guide.
Residential
The workhorse programs for buying, refinancing, and moving between homes — including the low- and zero-down options first-time buyers rely on.
Conventional
From 3% down with cancellable mortgage insurance and pricing shopped across dozens of lenders.
Learn moreGood fit: Buyers and refinancers with established credit
FHA
3.5% down with real credit flexibility — underwritten to FHA's actual guidelines, not bank overlays.
Learn moreGood fit: First-time buyers and rebuilding credit
VA
$0 down, no monthly mortgage insurance, and no loan limit with full entitlement for those who served.
Learn moreGood fit: Veterans and active-duty military
USDA
$0 down for eligible small towns and outer suburbs, with monthly costs typically below FHA.
Learn moreGood fit: Buyers outside major urban cores
Manufactured Homes
Double- and multi-wides on land financed like site-built homes, FHA, VA, and conventional included.
Learn moreGood fit: Buyers priced out of stick-built
Down Payment Assistance
Grants and forgivable seconds layered onto your first mortgage to cover most or all of your down payment.
Learn moreGood fit: Buyers short on down payment, not on income
Buy Before You Sell
Move first and sell second: unlock your equity, drop the old mortgage from qualifying, and write a non-contingent offer.
Learn moreGood fit: Homeowners buying their next home before selling
Jumbo & Super Jumbo
Above the conforming limit to $5M+, prime and alternative-doc, with dozens of lenders competing instead of one bank quoting.
Learn moreGood fit: Buyers at high price points and high-cost markets
Physician & Professional
0-10% down with no PMI at high loan amounts, student debt counted at your real payment, and closings on an employment contract.
Learn moreGood fit: Doctors, dentists, vets, and select professionals
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 rent with tiers to 85% LTV, no-ratio options, and Airbnb income counted.
Learn moreGood fit: Real estate investors scaling a portfolio
Bank Statement
12 or 24 months of deposits stand in for tax returns, with leverage to 90% and loans to $5M+.
Learn moreGood fit: Self-employed borrowers and business owners
Asset Depletion
Turn what you own into qualifying income without selling a thing, up to 85% LTV with no PMI.
Learn moreGood fit: High-asset, lower-documented-income borrowers
P&L Statement
Qualify from the P&L your accountant already keeps, up to 90% LTV with zero bank statements.
Learn moreGood fit: Business owners with complex returns
Foreign National
US real estate with no US credit file, funds wired from abroad, and diplomat primary-residence programs.
Learn moreGood fit: International buyers and investors
ITIN
Homeownership without a Social Security Number: your ITIN, your work history, and your down payment do the talking.
Learn moreGood fit: Borrowers with an ITIN tax ID
Non-Warrantable Condos
The condos Fannie and Freddie decline: new projects, condotels, and investor-heavy buildings still close here.
Learn moreGood fit: Buyers whose building failed the checklist
Fresh Start (After Credit Events)
Bankruptcy, foreclosure, or short sale in the rearview: programs from 0-2 years out, priced for where you are in the rebuild.
Learn moreGood fit: Buyers coming back from a credit event
Construction & Bridge
Financing for what doesn't exist yet — and the fast money that wins investor deals.
Ground-Up Construction
Up to 90% of project cost with 100% of the build funded, no tax returns, and the exit mapped before you pour.
Learn moreGood fit: Builders and investors
Construction-to-Permanent
One closing from foundation to 30-year loan, from VA zero-down to bank statement qualifying, with land equity as your down payment.
Learn moreGood fit: Families and owners building their own home
Renovation (203k / HomeStyle)
Purchase and rehab in one loan sized on the finished value, from 3.5% down, with pools and ADUs on the menu.
Learn moreGood fit: Buyers of fixer-uppers
Fix & Flip
Purchase plus 100% of the rehab, drawn as work completes, sized on the after-repair value.
Learn moreGood fit: Investors renovating to sell or rent
Hard Money
Asset-based lump-sum capital on the as-is value: no draws, no income docs, closings in days.
Learn moreGood fit: Investors who need certainty at speed
Home Equity
Tap what the house has earned without touching the rate you locked, or the payment you don't want.
HELOC
A credit line behind your first mortgage: draw as needed, variable and fixed options, funding in days.
Learn moreGood fit: Homeowners who want flexibility
Home Equity Loan
A fixed-rate lump sum with one steady payment, and your first mortgage untouched.
Learn moreGood fit: Homeowners who want certainty
Home Equity Investment (HEI)
A lump sum today for a share of future appreciation: no monthly payments, no income docs.
Learn moreGood fit: Equity-rich owners avoiding a new payment
Reverse Mortgage
Turn equity into retirement cash flow with no monthly mortgage payment, including jumbo options and purchases.
Learn moreGood fit: Homeowners 62+ (55+ on select programs)
Land, Farm & Rural
Acreage, agriculture, and the properties conventional guidelines were never written for.
Residential Farm & Ranch
Homes on real acreage, hobby farms, and horse properties, with farm income counted instead of penalized.
Learn moreGood fit: Families whose address has a gate
Commercial Agriculture
Working farms, ranches, orchards, and dairies financed on the operation's strength.
Learn moreGood fit: Producers growing the operation
Land & Lot Loans
Raw acreage and buildable lots financed now, with the build loan mapped for later.
Learn moreGood fit: Buyers securing the ground first
Commercial & Business-Purpose
Beyond four walls and a family — financing for income-producing real estate.
Commercial Real Estate
5+ unit multifamily, mixed-use, retail, and self-storage financed on the property's income, $100k to $10M+.
Learn moreGood fit: Commercial and multifamily investors
SBA (504 & 7a)
Buy the building your business lives in with as little as 10% down and 25-year terms, tenants welcome in the rest.
Learn moreGood fit: Business owners done with renting
Multifamily Agency (5+ units)
Fannie and Freddie small-balance apartment loans to $9M, non-recourse with interest-only options.
Learn moreGood fit: Multifamily investors
Portfolio & Non-Agency
Flexible structures for the deals standard guidelines decline, underwritten by humans who can say yes.
Learn moreGood 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 reshape the term, with a verdict-first calculator and dozens of lenders competing.
Learn moreGood fit: Anyone whose rate is above today's market
Cash-Out
Turn equity into capital for improvements, investments, or consolidating expensive debt.
Learn moreGood fit: Homeowners with meaningful equity
Streamline (FHA / VA / USDA)
Reduced-documentation refis for existing government loans: no appraisal on most, no income docs on many.
Learn moreGood fit: Current FHA, VA, and USDA borrowers
Debt Consolidation
Roll high-interest debt into one payment, priced honestly against what you pay today.
Learn moreGood 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, fast.
Guthix Lending • NMLS# 2672037 · Programs subject to credit and property approval.