Full catalog
All Loan Programs
Every financing category HomeFlow can arrange, grouped by borrower need rather than by lender jargon. Start with the situation that sounds like yours.
Veterans & Service Members
VA financing, arranged by a loan officer who has used the benefit himself.
- VA Purchase LoansBuying with your entitlement, including how much you have left if you have used it before.
- VA IRRRLThe VA streamline refinance, and when it actually improves your position.
- VA Cash-Out RefinanceCovers both Type I and Type II VA cash-out refinances and how they differ.
- VA Loan EligibilityService requirements, the Certificate of Eligibility, and entitlement restoration.
- VA Loan BenefitsWhat the benefit is actually worth compared with the alternatives.
Self-Employed & Alternative Income
For borrowers whose tax returns do not tell the whole story.
- Bank Statement LoansQualification built from deposit activity rather than net income on a return.
- Stated Income (P&L) LoansBusiness profit and loss statements as the basis for qualifying.
- 1099 Borrower FinancingPrograms designed around contractor and commission income.
- Asset DepletionQualifying income derived from assets for borrowers with strong balance sheets.
- Asset AugmentationEligible assets used to supplement documented qualifying income.
- Crypto-Friendly Mortgage ScenariosBorrowers with significant digital asset holdings, subject to lender guidelines.
- Non-QM LoansThe overall category, and how to tell whether you belong in it.
Real Estate Investors
Financing that follows the property and the strategy, not just the W-2.
- DSCR LoansQualification driven by the property's rental income.
- Fix & Flip LoansShort-term project financing underwritten around scope and exit.
- Bridge LoansTiming capital between a purchase and a sale or refinance.
- 1031 Exchange FinancingReplacement property financing coordinated with your intermediary's calendar.
- Investment Property LoansConventional and non-QM paths for rentals, and when each one fits.
- Foreign National MortgagesPurchases by borrowers without U.S. credit or U.S. income documentation.
- Investor HELOCLines of credit secured by investment property to recycle equity.
Home Loans & Specialty Property
Standard agency financing, and the properties agency guidelines struggle with.
- Conventional LoansFannie Mae and Freddie Mac financing, usually the lowest-cost path when it fits.
- FHA LoansFlexible credit and low down payment options for buyers without VA eligibility.
- USDA LoansRural development financing, decided first by the property's location.
- Jumbo LoansFinancing above conforming limits across Southern California's price points.
- Super Jumbo LoansHigh-value financing where terms are structured rather than published.
- Manufactured Home LoansManufactured homes on owned land, where foundation and title drive the options.
- Mobile Home / Leased-Land FinancingPark and leased-land scenarios, which a narrower set of lenders will consider.
- Barndominium FinancingPost-frame residences, where appraisal comparables decide the outcome.
- Unique Property FinancingAcreage, mixed use, non-warrantable condos, and unconventional construction.
Professionals & First-Time Buyers
Programs built around a career stage rather than a property type.
- First-Time HomebuyersWhat the first purchase actually requires, in order, without the pressure.
- Doctor & Physician LoansPrograms addressing student debt and contracts that start after closing.
- Teacher Home LoansEducator financing and a review of assistance programs currently open.
- First Responder Home LoansGetting proper credit for overtime, differentials, and shift income.
Home Equity & Retirement
Accessing equity without necessarily disturbing a low first-lien rate.
- HELOCA revolving line for needs that are ongoing or not yet fully defined.
- Home Equity LoansA fixed second lien for a defined expense with a known budget.
- Senior HELOCLines of credit for older homeowners, and how this differs from a reverse mortgage.
- Reverse MortgagesA separate category of loan with its own program rules and requirements.
Program availability, structure, and qualifying requirements vary by wholesale lender and by your specific borrower and property circumstances. Nothing here is a commitment to lend.
Frequently Asked Questions
HomeFlow arranges financing through wholesale lenders, so availability, structure, and guidelines vary by lender and by your borrower and property circumstances. Nothing on this page is a commitment to lend.
Start with what you are trying to accomplish rather than a product name. Tell me the situation and I will tell you which programs are realistic.
The menu stays curated so it is easy to scan. Everything HomeFlow can arrange lives on this page.