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First-time buyer, self-employed, veteran, investor — we match 50+ lenders to your situation and guide you from first question to closing day.
Programs built for business owners — document your income with:
Traditional financing for W-2 employees
VA, FHA, and USDA with special benefits
Self-employed & investor solutions — qualify without tax returns
Construction, renovation, land
Build your real estate portfolio
Your past doesn't define your future. We have programs built for rebuilding.
Learn MoreLow down payment options, grants, and guidance to get you into your first home.
Get StartedBank statement loans, P&L-only programs, and DSCR options for entrepreneurs and 1099 earners.
See ProgramsHow borrowers narrow 50+ programs down to the right one.
Start with your situation, not the product. Your down payment savings, credit profile, how you document income, and the property type narrow 50+ programs down to a shortlist fast. Our 60-second Loan Finder Quiz does that matching for you, or you can compare programs side-by-side — and a CMS loan expert confirms the best fit before you commit to anything.
Conventional loans are backed by private lenders and generally fit borrowers with credit scores of 620+ and at least 3% down — PMI can be removed once you reach 20% equity. Government-backed loans (FHA, VA, USDA) are insured by federal agencies, which allows lower credit scores (as low as 580 with FHA) and 0% down for eligible VA and USDA borrowers.
Yes. Non-QM programs qualify you with alternative documentation: bank statement loans use 12-24 months of deposits instead of tax returns, P&L loans use a CPA-prepared statement, and DSCR loans for investors qualify on the property's rental income — no personal income documents at all.
Less than you think. VA and USDA loans offer 0% down for eligible borrowers, conventional loans start at 3% down, and FHA at 3.5%. The right number depends on your goals — more down lowers your monthly payment, but keeping cash in reserve can matter more. We'll walk you through every option.
Answer a few questions and get matched with the best loan for your situation.
Take the QuizPick up to 3 programs and see down payment, credit score, and DTI requirements line by line.
Compare ProgramsGet personalized guidance from our experienced loan officers. No pressure, just answers.
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