4 Loan Programs Helping Buyers Win in Today’s Market

Mortgage rates may grab the headlines, but the truth is — programs often matter just as much as pricing. In a market where every edge counts, the right loan program can be the difference between “just looking” and “keys in hand.”

Here are four options that are making a real impact for buyers and homeowners right now:

1. Lender-Paid Temporary Buydowns

Instead of asking sellers for credits, some lenders are offering 2/1 or 1/0 buydowns built into the loan. This lowers the payment for the first year or two, helping buyers adjust without needing extra concessions.

2. DSCR Loans for Investors

Traditional income documentation can be a roadblock for investors. DSCR (Debt Service Coverage Ratio) loans qualify based on the property’s rental income instead of the borrower’s personal income. Fast, flexible, and perfect for investors growing their portfolio.

3. Self-Employed Bank Statement Programs

For business owners, tax returns don’t always tell the full story. Bank statement loans (12 or 24 months) let self-employed borrowers qualify using real cash flow, making homeownership more accessible to entrepreneurs.

4. Down Payment Assistance (DPA)

Yes — it’s still available. DPA programs continue to open doors for first-time buyers who have strong income but limited savings. And when structured right, these loans can close in 15 days or less.

Bottom Line

Markets go up and down. Rates rise and fall. But programs like these are helping people move forward right now — and sometimes that’s the edge that wins the deal.

If you’ve been holding back because you think you don’t fit the “perfect buyer” profile, let’s talk.

You may have more options than you realize.