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Loan programs, in plain language
One application. One credit pull. Access to 300+ lenders. I’ll walk you through the program and the guidelines — and help you find what fits. Here are a few to start with.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.
Purchase
Pre-approval vs pre-qualification
Know the difference before you shop. Estimate vs offer-ready letter.
Read moreConventional
A regular first mortgage when the situation is straightforward. No government backing. A solid purchase or refinance.
Open ConventionalFHA
A good fit when a lower down payment or credit is part of the story. I’m happy to walk through whether it helps.
Open FHAVA
For eligible veterans, active duty, and some surviving spouses. We start with the Certificate of Eligibility.
Open VAUSDA
Zero-down when the property maps eligible and the rest of the situation works. We check the USDA map first — core city often doesn’t qualify.
Open USDAJumbo
For loan amounts above the conforming limit in that county. Same process. The numbers just have to support a larger loan.
Open JumboFirst-time
First-time isn’t one loan — it’s FHA, VA, USDA, conventional, and DPA when they fit.
Open First-timeBuydown
Seller or builder funds a temporary 2-1 / 1-0 so the payment starts lower and steps up.
Open BuydownRenovation
Buy or refinance and fold the rehab into one mortgage, so the work is part of the loan.
Open RenovationConstruction
Ground-up and one-time-close when the builder and plans fit. Rehab on an existing house is the renovation page.
Open Construction
Refinance
Rate-and-term
Replace the first without a cash-out story (or only enough for costs).
Open Rate-and-termCash-out
Pull equity or roll other debt into a new first mortgage. Different tool than a HELOC, and I’ll tell you which one fits.
Open Cash-outVA refinance
IRRRL streamline or VA cash-out. Start with entitlement and the COE.
Open VA refinanceHELOC
A home equity line on a house you’re keeping. Approval can be done in 5 minutes. Funds in as little as 5 days. The first mortgage stays.
Open HELOCReverse
For homeowners who want to use equity and stay in the house.
Open Reverse
Investor
DSCR
For rentals. The property’s rent is what the loan looks at, not a rebuilt W-2 story.
Open DSCRInvestment
Rentals when your income supports the purchase. If rent has to carry the loan, use DSCR.
Open InvestmentFix and flip
Short-term purchase-and-rehab for resale. Honest: not all situations qualify.
Open Fix and flipBridge
Short-term money to buy before you sell, or to bridge an investor gap. Not a 30-year.
Open BridgeBank statement
Self-employed income from 12–24 months of deposits — sometimes a P&L. Not stated income. Not no-doc.
Open Bank statement
Specialty
Resources & guides
Start by job — buy, refinance or equity, self-employed or investor. I’ll walk the guidelines from there.
Open resourcesManufactured
Factory-built homes when foundation, title, and park overlays work. Not every park qualifies.
Open ManufacturedHard money
Short-term asset-based capital with a clear exit. Overlaps flip and bridge.
Open Hard moneyNon-warrantable condo
Project eligibility — not a credit failure. Specialty paths can still work; we’ll review HOA early together.
Open Non-warrantable condoForeign national
Non-citizen financing via specialty lenders. I’ll guide you through docs and cash expectations. No universal down %.
Open Foreign nationalITIN
ITIN home loans via non-QM. Not agency. No immigration advice — mortgage path only.
Open ITINLand / lot
Vacant land is harder than a home mortgage. Purpose matters. Not FHA vacant land.
Open Land / lotCommercial
True CRE/mixed-use ≠ DSCR duplex. Some situations I educate or refer — honestly.
Open CommercialFarm / ranch
FSA vs Farm Credit vs USDA home — different doors. We’ll sort house-on-farm vs ag operation.
Open Farm / ranchPhysician
Doctor/professional programs — low/0 down often, often no PMI. Lender-specific; we’ll compare.
Open Physician40-year
Longer amortization for payment/cash-flow when it fits. More interest over time — we walk the tradeoff.
Open 40-yearInterest-only
IO period, then amortizing. Primary or investor when it fits. Not a free lunch.
Open Interest-onlyMore programs
Specialty condo, foreign national, ITIN, land, commercial, farm/ranch, physician, 40-year, interest-only, and the rest.
Open More programs
Office, hours, and how to reach me
Corporate office
5559 S Sossaman Rd, Bldg 1 Ste 101
Mesa, AZ 85212
Hours
- Monday–Thursday 8:00 AM–7:00 PM
- Friday 8:00 AM–6:00 PM
- Saturday 9:00 AM–5:00 PM
- Sunday 11:00 AM–5:00 PM