Whether you're buying your first home, refinancing, investing or navigating a complex financial situation, we have a loan program built around your needs.
Representative rates — your actual rate depends on credit, loan size, and property. Talk to an advisor for a personalized quote.
Rates change daily. Lock yours in with a free rate quote.
Get My Rate Quote →30-Year and 15-Year Fixed rates sourced live from the Federal Reserve (FRED). All other rates are representative estimates based on current market spreads. APR varies. Not a commitment to lend. Equal Housing Opportunity.
Alternative income documentation for self-employed borrowers, freelancers and those who don't fit traditional lending guidelines.
Debt Service Coverage Ratio loans qualify based on rental income — not your personal income. Ideal for real estate investors scaling their portfolio.
Designed for self-employed borrowers who can't show traditional W-2 income. We use 12–24 months of bank statements to qualify you — no tax returns needed.
Qualify using a Profit & Loss statement prepared by your CPA. Ideal for business owners and the self-employed with strong business performance.
Government-backed loan with a low 3.5% down payment and flexible credit requirements. Best for first-time buyers or borrowers rebuilding credit.
The most widely used mortgage for buyers with solid credit and stable income. No mortgage insurance required with 20% down.
Exclusive to active military, veterans and surviving spouses. Zero down payment and no mortgage insurance — the most powerful benefit available.
For home purchases above conventional conforming loan limits. Competitive rates with flexible terms for high-value properties.
| Feature | FHA | Conventional | VA | DSCR | Jumbo |
|---|---|---|---|---|---|
| Min Down Payment | 3.5% | 3% | 0% | 20–25% | 10–20% |
| Min Credit Score | 580 | 620 | No min | 620 | 700+ |
| Mortgage Insurance | Required | If <20% down | None | None | None |
| Income Verification | Required | Required | Required | Not required | Required |
| Property Types | Primary only | Primary, 2nd, invest | Primary only | Investment | All types |
| Loan Limit | FHA limits | $766,550 | No limit | No limit | No limit |
| Best For | First-time buyers | Most buyers | Military | Investors | High-value homes |
Most people don't know which program is right for them — and they shouldn't have to. That's why AML advisors start every conversation by listening carefully before recommending anything. Your advisor will match you to the program that genuinely fits your goals, credit, income and timeline.
Our loan finder quiz takes less than 60 seconds and points you to the programs that genuinely fit your situation — based on your credit, down payment and goals.
Most people are surprised by how many options actually exist once a real advisor looks at their situation honestly.
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