Specialized Loans

Start with the scenario. Then review the program.

These pathways organize less-standard borrower, property, and project scenarios without implying eligibility. Each path explains what may be worth discussing and where licensed review is required.

Medical Professional Home Financing

Who this may help: Medical professionals comparing conventional, jumbo, or portfolio home-financing paths.
Purpose and occupancy: Consumer-purpose financing for an eligible primary residence, subject to the specific program.
Licensed review: Profession, employment documentation, student-loan payment treatment, credit, reserves, property, occupancy, and current investor guidelines require review.

Explore Medical Professional Options →

Reverse Mortgage / HECM

Who this may help: Older homeowners considering whether a Home Equity Conversion Mortgage may fit their housing and retirement plans.
Purpose and occupancy: Consumer-purpose financing secured by the principal residence. HECM borrower and spouse requirements are specific.
Licensed review: Age, principal residence, financial assessment, property eligibility, equity, existing liens, counseling, costs, and ongoing obligations require review.

Review HECM Information →

Renovation and Expansion Financing

Who this may help: Buyers or current homeowners comparing ways to finance eligible repairs, remodeling, additions, or rehabilitation.
Purpose and occupancy: Consumer or business purpose and occupancy depend on the selected program and property plan.
Licensed review: Project scope, contractor, appraisal, property, occupancy, cost, loan purpose, and current program availability require review.

Explore Renovation Options →

HELOC and Home-Equity Loans

Who this may help: Homeowners comparing a variable-rate line of credit, a fixed home-equity loan, or a cash-out refinance.
Purpose and occupancy: Consumer or business purpose and eligible occupancy depend on the product and use of proceeds.
Licensed review: Equity, liens, income, credit, property, occupancy, costs, variable-rate risk, and repayment structure require review.

Compare Equity Paths →

ITIN Primary-Residence Financing

Who this may help: Primary-residence buyers exploring programs that may accept an ITIN and alternative credit or income documentation.
Purpose and occupancy: Consumer-purpose primary-residence financing only; this is separate from foreign-national investment lending.
Licensed review: Identity, residency or immigration information where permitted, income, assets, credit, property, occupancy, and current guidelines require review.

Explore ITIN Options →

Foreign-National Residential Investment Financing

Who this may help: Qualifying foreign-national borrowers considering a non-owner-occupied one-to-four-unit residential investment property.
Purpose and occupancy: Business-purpose residential investment financing only; not primary-residence, second-home, or commercial-property financing.
Licensed review: Identity, source of funds, sanctions/OFAC, assets, credit references, rental analysis, appraisal, property, and current guidelines require review.

Explore Investment Options →

Educational program information only. This hub does not determine eligibility, approval, available terms, or pricing. A licensed mortgage loan originator must review current program guidelines and the complete borrower and property scenario.