30-Year Fixed
The classic. Predictable payment, lower monthly cost, longer payoff.
Key benefits
- Lowest monthly payment of the fixed options
- Rate locked for the full term
- Maximum flexibility
Considerations
- More total interest paid over time
- Slower equity build
15-Year Fixed
Faster payoff, less interest, higher monthly.
Key benefits
- Significantly less interest paid
- Faster equity build
- Often lower rate than 30-year
Considerations
- Higher monthly payment
- Less monthly cash flow flexibility
Adjustable-Rate (ARM)
Short-term plans, expecting to move or refi within 5–10 years.
Key benefits
- Lower introductory rate
- Lower initial payment
- Good fit for short horizons
Considerations
- Rate can rise after intro period
- Less predictability long-term
FHA Loans
Lower down payment, more flexible credit.
Key benefits
- 3.5% down with 580+ credit
- Flexible debt-to-income limits
- Assumable in some cases
Considerations
- Mortgage insurance for life of loan
- Loan limits by county
VA Loans
Active-duty service members, veterans, and eligible spouses.
Key benefits
- Zero down payment
- No PMI
- Competitive rates
Considerations
- VA funding fee applies
- Property must be primary residence
USDA Loans
Rural and select suburban Texas properties.
Key benefits
- Zero down payment
- Below-market rates
- Reduced mortgage insurance
Considerations
- Property must be in eligible area
- Income limits apply
Jumbo Loans
Loan amounts above conforming limits.
Key benefits
- Finance higher-priced homes
- Competitive rates with strong credit
- Flexible structures available
Considerations
- Stricter qualifying standards
- Higher reserve requirements
HELOC
Tap equity without refinancing your first mortgage.
Key benefits
- Flexible draw period
- Interest only on what you use
- Keep your current low rate
Considerations
- Variable rate
- Home is collateral
Refinance
Lower your rate, shorten your term, or pull cash.
Key benefits
- Reduce monthly payment
- Pay off faster
- Access equity for goals
Considerations
- Closing costs to recoup
- Reset of amortization schedule
DSCR Loans
Investor financing that qualifies using the property's rental income, not your personal tax returns.
Key benefits
- Qualify with rental income, not personal W-2s
- No personal debt-to-income calculation
- Great for self-employed investors
- Finance 1–4 unit rentals and some 5+ unit properties
Considerations
- 20–25% down payment typically required
- Rates may be higher than conventional
- Property cash flow must support the payment
Non-QM / Bank Statement
Self-employed, 1099, K-1, or unique income borrowers. Our specialty.
Key benefits
- Qualify on bank statements
- No traditional tax-return-based DTI
- Asset-based options available
Considerations
- Higher rates than conventional
- Larger down payment often required
