Home loans
Investor loans
Equity & retirement
Home / Loan Programs
12 programs · 220+ lenders
Because we're a broker, you're not limited to one bank's menu. Pick a program to learn more, or apply and we'll match you.
All loans subject to approval. Terms vary by program and lender.
Pick a program to learn more. Not sure? Use the helper below, or apply and we'll match you.
Conventional loans are not government-backed, so they work for a wide range of buyers and homeowners with solid credit and steady income.
FHA loans are insured by the Federal Housing Administration, which helps lenders offer more flexible guidelines.
For eligible veterans, service members, and surviving spouses.
For eligible buyers in eligible rural and suburban areas.
Down payment assistance programs can help bridge the gap, and we pair them with the right loan.
Financing for mobile homes you use as your primary residence or second home, with or without land.
Non-QM loans look at your real financial picture, not just W-2s and tax returns.
Qualify on the property's rental income, not your personal income.
Short-term financing for the purchase and renovation of investment properties.
Financing for ground-up construction, major additions, and substantial redevelopment.
Wealth Builder is a first-lien HELOC that works as both your mortgage and your checking account, for a purchase or a refinance.
A reverse mortgage lets eligible older homeowners turn part of their home equity into cash, or buy a new home, without required monthly mortgage payments. You must keep paying property taxes, homeowners insurance, and upkeep.
Pick the goal that fits you best to see where to start. A licensed loan officer can confirm the right fit.
New to buying? Watch our free on-demand webinar.
Also see our online HELOC and free Home Equity Report.
About our $2,000 Best Price Guarantee: it applies only to fixed-rate Conventional conforming, FHA, and VA loans on identical loan types, with loan amounts of $200,000 or more. Not available in Washington. Builder preferred-lender and credit union offers are excluded, and additional conditions apply. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, USDA, Construction, Mobile, Fix and Flip, or Wealth Builder HELOC loans. Read the full terms.
It depends on your goal, your property, and your situation. Use the Find my program helper on this page, or apply with AI once and a licensed loan officer will help match you.
Our programs work for buying or refinancing.
Because we're a broker, you're not limited to one bank's menu. We shop your loan across 220+ wholesale lenders.
No. It applies only to fixed-rate Conventional conforming, FHA, and VA loans on identical loan types, with conditions. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, USDA, Construction, Mobile, Fix and Flip, or Wealth Builder HELOC loans. See the Best Price Guarantee page for the full terms.
Jerry Kindig is licensed in 19 states, and our brokerage, Loan Factory, shops rates in 48 states. See our State Licenses page for details.
Call or text (480) 526-4505, or send the form, and a licensed loan officer will walk you through your options.
Send a note and a licensed loan officer will follow up. Prefer to move now?