Loan programs
Every program on one clear map
We lead with government loans and down payment assistance. Each page has a short answer, eligibility basics, who it fits, steps, FAQs, and a CTA — structured so people and AI search systems can use it.
Government loans & down payment assistance
Government loan
FHA Loans
Lower down payment and flexible credit guidelines. A strong option when you are ready to buy but do not have 20% saved.
Read the full briefingGovernment loan
VA Loans
Often $0 down and no monthly mortgage insurance. Closing costs can still be due unless assistance covers them.
Read the full briefingGovernment loan
USDA Loans
No down payment in eligible areas when you qualify. Closing costs can still be due unless LifeStart covers them.
Read the full briefingDown payment assistance
LifeStart
Two ways to lower cash to close on FHA, VA, and USDA: 3.5% with possible forgiveness, or 5% repaid monthly.
Read the full briefingGovernment loan
Section 184
A government-backed path for eligible Native American tribal members buying in North Carolina.
Read the full briefingPurchase & specialty programs
Purchase & refinance
Conventional
Strong credit and a bit more down payment can mean competitive rates and a path to drop PMI later.
Read the full briefingHigher loan amounts
Jumbo
Buying above conforming limits? Jumbo options with clear reserve and credit expectations up front.
Read the full briefingInvestors
Investment Property
Rentals and mid-term investment property lending with underwriting that matches how the property will actually perform.
Read the full briefingSelf-employed
Self-Employed
Business owners and 1099 earners. Tax returns, bank statements, or alternative docs matched to the right program.
Read the full briefingBuilding
Construction
Building instead of buying a listing? Construction financing with a clear draw process and one team through completion.
Read the full briefingRefinance & home equity
Homeowners
Refinance Hub
Lower a payment, change the term, or use your equity. We tell you if refinancing does not make sense.
Read the full briefingRefinance
Rate-and-Term Refi
Replace your loan with a better rate or a different term. No large cash out.
Read the full briefingRefinance
Cash-Out Refi
Turn equity into cash for repairs, debt, or other goals. Your home secures the new loan.
Read the full briefingRefinance
FHA/VA Streamline
A simpler way to refinance an existing FHA or VA loan, often with less paperwork.
Read the full briefingHome equity
HELOC & Second Mortgage
Keep your current mortgage and borrow against your equity, as a line of credit or a lump sum.
Read the full briefingSee what you qualify for
Twenty minutes. Clear options. No commitment required.