Loan Programs
Not sure which mortgage is right for you? Our Loan Finder matches you to the right program in 30 seconds — no contact info needed. Conventional, FHA, VA, USDA, DSCR, Bank Statement, and NONI loans. NMLS #1281.
Not every borrower fits the same program — that’s why we offer the full spectrum. Use the loan finder below to get a tailored recommendation in 30 seconds, or browse every program we offer by category.
Not sure which program? Find your match →
Find your loan program in 30 seconds
Which loan fits your situation?
Quick reference — every row links directly to the full program page.
- → Self-employed or 1099 contractor — qualify on bank deposits instead of tax returns: Bank Statement Loans
- → Rental or investment property — qualify on the property's rent, not personal income: DSCR Loans
- → First-time buyer or lower credit score — 3.5% down, credit from 580: FHA Loans
- → Veteran or active-duty military — zero down payment, no PMI: VA Loans
- → Tap home equity without touching your first mortgage — line of credit or fixed-rate second: Home Equity Loans & HELOC
- → Retired, foreign national, or no documentation — zero income and zero asset verification on investment properties: NONI Loans
- → Second home or vacation property — standard income documentation, flexible down payment: Conventional Loans
Illustrative scenarios only. For a personalized assessment call (833) 350-9185. NMLS #1281. Equal Housing Opportunity.
Browse all programs
Every program we offer, grouped by what you're trying to do. Not seeing your situation? Ask us directly.
First-Time & Primary Home
Buying or refinancing the home you'll live in.
FHA Home Loan Requirements | Home Buying and Refinancing
You should apply for an FHA loan if you are a first homebuyer, or to keep monthly payments low, or even if you do not really have a great credit score (below 680)
30 Year Fixed Mortgage | Purchase & Refinance Loans
30 year fixed mortgage loans offer stability and predictable payments. A great option for home purchases and refinancing nationwide
15 Year Fixed Rate Mortgage Loans - Pros & Cons
15 Year Fixed Home Loans Now Is One Of The Best Times To Buy Or Refinance With A 15 Year Mortgage And Pay Your Home Off In 1/2 The Time
Jumbo Mortgage Loans | High-Value Home Financing | 1st Nationwide Mortgage
Jumbo loans for homes above conforming limits. Fixed and adjustable rates, 10-20% down, loans up to $3M+. NMLS #1281.
Conventional Home Loans - Nationwide Mortgage Lender
Conventional home loans offer competitive rates, flexible terms, and cancellable PMI. Learn about down payment options, credit requirements, and how to qualify with 1st Nationwide Mortgage.
USDA Home Loans - Zero Down Payment Rural Mortgage
USDA home loans offer zero down payment financing for eligible rural and suburban homebuyers. Learn about income limits, property eligibility, and how to qualify with 1st Nationwide Mortgage.
Self-Employed & Non-QM
Qualify without W-2s or tax returns.
Bank Statement Mortgages
Qualify on 12-24 months of deposits instead of tax returns. Built for self-employed borrowers and 1099 contractors.
No-Income Mortgage Programs | Qualify Without Tax Returns
No-income and no-doc mortgage programs for borrowers who can't qualify with traditional income documentation. DSCR, asset-based, and alternative qualification options available in 49 states.
NONI Investment Loans — No Income, No Asset Verification
NONI investment loans qualify on the property, not your paperwork. Zero income, zero asset verification. Up to $3.5M, 85% LTV purchase, no ownership seasoning on cash-out. Foreign nationals welcome.
Investment Properties
Rental, portfolio, and short-term investor financing.
DSCR Loans
Qualify on the property's rental income — no personal tax returns. Up to $3.5M, purchase and cash-out.
NONI Investment Loans
Zero income and zero asset verification. Foreign nationals welcome. Purchase or cash-out.
Hard Money Loans
Asset-based financing for fix-and-flip, auction, and quick-close opportunities. No personal income docs required.
Rehab / Fix & Flip Loans
Finance purchase and renovation in a single loan. Funds rehab draws as work progresses. Built for fix-and-flip and BRRRR investors.
Bridge Loans
Bridge loans for real estate: close in days, not months. 6–24 month terms, up to 80% LTV on residential. Buy before you sell, fund a fix-and-flip, or close a time-sensitive deal.
Veterans & Military
Zero-down VA loan options for those who served.
VA Home Loans for Veterans & Active Military
VA home loans offer zero down payment and no PMI for eligible veterans and active-duty service members. Multiple loan programs available.
VA 30-Year Fixed Rates - Zero Down Home Loans
VA 30-year fixed rates offer a great opportunity to buy a home with zero down for eligible veterans and service members
VA Jumbo Mortgage Loan - High VA Loan Limits
VA jumbo loans for veterans buying in high-cost areas like California, Colorado, Alaska, and Washington. No private mortgage insurance. Down payment only on the amount above county limits.
Refinancing & Home Equity
Lower your rate, shorten your term, or tap equity without touching your first mortgage.
HELOC / 2nd Mortgage
Tap equity with a line of credit or fixed-rate 2nd — keep your low-rate 1st mortgage intact.
FHA Home Loan Refinancing | FHA Streamline Refi
If you already have an FHA loan and are current on the mortgage you may be eligible to refinance with little to no costs.
VA Loans Refinancing - IRRRL
100% Purchase & Refinance Rates and fees for VA refinancing are dramatically reduced for veteran and current active duty military under the Interest Rate Reduction Refinance Loan. A perfect chance to refinance your home in California
FHA Streamline Refi Requirements - Important Rules
You need to be sure you qualify for a streamline FHA refinance, which requires less documentation
How Does a VA Loan Refinance Work?
Learn how VA loan refinancing works including Cash Out refinance and VA Streamline (IRRRL) programs for veterans and active duty military.
HELOC & Home Equity Loans — Tap Equity Without Refinancing
Keep your low-rate first mortgage and tap home equity with a HELOC or fixed-rate 2nd mortgage. Loan amounts $25,000–$500,000+. Fast close, flexible options.
Seniors & Specialty
Reverse mortgages and other alternative programs.
Reverse Mortgages - Senior Mortgage Refinance
Reverse mortgages for homeowners 62 and older. No monthly mortgage payments. Access your home equity as cash, monthly income, or a line of credit. HECM and jumbo options available.
Types of FHA Mortgages: Which One Is Best For You?
Understanding the differences between the types of FHA mortgages will help you make smart choices in choosing a suitable housing plan based on your financial capability
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.