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60 seconds · no hard credit pull · never sold
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HELOC
Profit & Loss - No Income Loan
DSCR
47-state rule — ND/SD/VT refis by exception
Cash-Out / Investor Refinance
Rental Property Loan
47-state rule — ND/SD/VT refis by exception
Hard Money
VA Loan
Veterans & active duty · primary residence
Conventional
3–20% down · removable PMI · 620+ credit
FHA Loan
Low down payment · primary residence
Reverse Mortgage
62+ · primary residence · no monthly payments
HEA — Home Equity Agreement
No monthly payments · credit from the 500s
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