Find the Right Loan Option
Use your situation to choose the best first mortgage page to read before applying.
Choose by borrower situation, not by mortgage jargon.
Most borrowers do not need every loan page at once. Start with the question that best matches your income, property, down payment, military eligibility, refinance goal, or investment-property plan.
I am buying my first home
Start with the First-Time Homebuyer page, then review FHA, conventional, and down payment assistance if those may fit.
- Budget comfort
- Cash-to-close
- Pre-approval timing
My income is not simple W-2 income
Start with Bank Statement or Alternative Income education, then confirm which documentation path may fit.
- Income history
- Business deposits
- Documentation expectations
The property creates extra questions
Start with DSCR/Investment, Condo Financing, Jumbo, or VA depending on the property and borrower profile.
- Rental income questions
- Association/project review
- Reserves and property details
Use the guide to narrow the first conversation.
The goal is not to self-diagnose the final loan. The goal is to arrive with better questions so Erin can review the full borrower, property, timeline, and documentation picture.
- If cash is the question, start with FHA, conventional, and assistance education.
- If income is the question, start with bank statement or alternative income pages.
- If property type is the question, start with condo, jumbo, investment, or VA guidance.