Answer 5 questions — we’ll point you to the loan type that fits your income, credit, and situation.
Step 1 of 5
This is not AI — it’s straightforward rule-based logic that maps your profile to the mortgage programs most likely to fit. The rules are derived from published Fannie Mae, Freddie Mac, FHA (HUD), VA, and USDA program guidelines, and from common non-QM underwriting standards.
Five inputs drive the recommendation: income type, self-employment tenure, credit score, down payment size, and property location. Together they determine which programs you can access and which trade-offs apply (conventional vs. FHA vs. bank-statement vs. DSCR).
Want the full side-by-side of all nine loan types, with sample rates and income proof requirements? See the loan types comparison →