Find the loan that fits what you are doing.
Start with your goal. Pick the option that sounds most like you to see how the program works, who it fits, and what lenders typically look at.
Which one sounds like you?
Compare programs at a glance.
A quick reference. Every program has its own guidelines, and we will walk you through the details for yours.
| Program | A fit for | Typical length | Qualifying focuses on |
|---|---|---|---|
| Home Purchase Loans | First-time and move-up homebuyers | Often 15 or 30 years, fixed or adjustable | Income, credit, savings, and the home itself |
| Home Refinance | Homeowners rethinking their current loan | A new loan term, often 15 to 30 years | Home equity, credit, income, and home value |
| Fix-and-Flip Loans | Investors buying, renovating, and reselling homes | Short-term, often measured in months | The deal: price, rehab budget, and after-repair value |
| DSCR Rental Loans | Investors buying or refinancing rental homes | Long-term, often 30 years | The property's rent compared to its monthly payment |
| Bridge Loans | Buyers and investors who need to move before other funds are in place | Short-term, often months to a few years | Property value, equity, and your exit plan |
| Spec Construction Loans | Builders and developers | Short-term, through construction and sale | Plans, budget, timeline, and builder experience |
| SBA Loans | Business owners and owner-occupied commercial buyers | Longer terms, depending on program and use | Business and personal financials |
| Farm & Ranch Loans | Farmers, ranchers, and rural land buyers | Varies by program and property | The land: use, acreage, improvements, and income |
Talk it through with us.
Plenty of people land somewhere in between, like a homeowner buying before selling or an investor deciding whether to flip or rent. Tell us what you are working on and we will help you sort out which programs may make sense.
Common questions.
Have a question that is not here? Ask us. No question is too basic.
Which loan programs do you offer?
Can I talk to you before I am ready to apply?
Do you work outside Austin?
Will checking my options affect my credit?
All loans are subject to credit approval, underwriting, and property review. Program availability, terms, and requirements vary and can change. This page is general information, not a commitment to lend. We will explain the requirements for any program before you apply.
Closings we have helped finance.
Closed & funded
Closed & funded
Closed & funded
Closed & funded
Not sure which option fits?
Tell us what you are working on, and we will walk you through the programs that may make sense.
