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Loan programs

More programs. More ways to solve the loan.

As both a mortgage broker and lender, Straight Deal can compare broad wholesale options and fund eligible loans in our own name.

Broker flexibility

Compare programs across 250+ wholesale lender relationships when the best answer may be outside one institution’s credit box.

Our lending channel

Fund eligible loans in our own name when a more coordinated execution path fits the transaction.

Program category

Home purchase & government

Conventional

Conforming options for qualified primary-home, second-home and investment-property buyers.

Explore Conventional loans →

FHA

Government-insured financing that may offer flexible credit and down-payment requirements.

Explore FHA loans →

VA

Purchase and refinance benefits for eligible service members, veterans and qualifying surviving spouses.

Explore VA loans →

USDA

Eligible rural and suburban financing subject to property and household-income requirements.

Discuss this program →

First-time homebuyer

Conventional and government options plus eligible down-payment-assistance paths.

Explore First-time homebuyer loans →

Manufactured housing

Financing options for eligible manufactured homes and qualified borrowers.

Explore Manufactured housing loans →

Program category

Jumbo & specialty purchase

Jumbo

Financing above conforming limits, including solutions for complex income and asset profiles.

Explore Jumbo loans →

Doctor & professional

Eligible professional programs that may provide specialized qualification or down-payment structures.

Discuss this program →

Foreign national

Select financing paths for qualified non-U.S. citizen real-estate buyers.

Explore Foreign national loans →

Asset depletion

Programs that may use eligible verified assets to help calculate qualifying income.

Discuss this program →

Non-warrantable condo

Specialty review paths for eligible condo or condotel projects that do not fit standard agency rules.

Explore Non-warrantable condo loans →

Bridge & departing residence

Strategies that may help coordinate a purchase with another property transaction.

Discuss this program →

Land & lot

Select financing options for eligible residential land and future-build scenarios.

Discuss this program →

Program category

Self-employed & non-QM

Bank statement

Alternative-documentation programs using eligible personal or business bank statements.

Explore Bank statement loans →

Profit and loss

Select programs that may evaluate a qualified self-employed borrower using a prepared P&L.

Explore Profit and loss loans →

1099 income

Alternative qualification paths for eligible independent contractors and 1099 earners.

Explore 1099 income loans →

One-year income documentation

Select solutions for borrowers with qualifying shorter employment or self-employment histories.

Explore One-year income documentation loans →

Recent credit events

Potential financing paths after eligible bankruptcy, foreclosure, short sale or other credit events.

Discuss this program →

ITIN borrowers

Specialty review paths for eligible borrowers using an Individual Taxpayer Identification Number.

Explore ITIN borrowers loans →

Program category

Investors & business purpose

DSCR

Business-purpose programs that may qualify based primarily on eligible property cash flow.

Explore DSCR loans →

No-ratio investor

Select investment programs that may not calculate a traditional debt-to-income ratio.

Explore No-ratio investor loans →

Portfolio loans

Flexible investor solutions for multiple financed properties or nonstandard scenarios.

Explore Portfolio loans loans →

Small-balance multifamily

Financing paths for eligible smaller apartment buildings and rental portfolios.

Explore Small-balance multifamily loans →

Fix and flip

Short-term business-purpose financing for eligible acquisition and renovation projects.

Explore Fix and flip loans →

Short-term rental

Select DSCR and investor solutions for eligible vacation or short-term rental properties.

Explore Short-term rental loans →

Commercial and mixed use

Referral and lender-network solutions for eligible commercial or mixed-use properties.

Explore Commercial and mixed use loans →

Program category

Home equity & refinance

Rate-and-term refinance

Replace an existing mortgage when the structure supports the borrower’s goals.

Explore Rate-and-term refinance loans →

Cash-out refinance

Access eligible equity through a new first mortgage, subject to underwriting.

Explore Cash-out refinance loans →

HELOC

Revolving home-equity lines for qualified borrowers and eligible properties.

Explore HELOC loans →

Home-equity loan

Fixed second-lien options that may preserve an existing first mortgage.

Explore Home-equity loan loans →

Debt consolidation

Evaluate mortgage and home-equity strategies alongside total costs and financial goals.

Discuss this program →

Reverse mortgage

Referral or lender-network solutions for eligible homeowners seeking reverse-mortgage options.

Discuss this program →

Program category

Construction & renovation

Ground-up construction

Financing paths for eligible owner-occupied and investment construction projects.

Explore Ground-up construction loans →

One-time close

Select construction-to-permanent options designed to combine eligible phases into one financing structure.

Explore One-time close loans →

Renovation

Programs that may combine an eligible purchase or refinance with improvement financing.

Explore Renovation loans →

FHA 203(k)

Government-insured renovation financing for eligible borrowers, properties and improvements.

Explore FHA 203(k) loans →

Construction investor

Business-purpose acquisition and construction solutions for qualified builders and investors.

Discuss this program →

ADU financing

Potential renovation, construction and home-equity strategies for eligible accessory dwelling projects.

Discuss this program →

Research before you apply

Start with a practical mortgage guide.

Small-balance multifamily and mixed-use loans · Renovation and FHA 203(k) · Foreign-national mortgage loans · Manufactured-home loans

View all guides

Not every program is available in every jurisdiction or through every channel. Some products may be brokered to a third-party lender, funded through our correspondent lending channel, or facilitated by referral where permitted. Program terms, lender participation and eligibility may change without notice. All loans are subject to application, credit approval, property review, underwriting requirements and applicable law. This is not a commitment to lend.