4 Programs That Are Quietly Winning the Summer

While most buyers are focused on rate headlines, smart buyers (and agents) are using strategy to win — with programs that offer speed, flexibility, and structure.

Here are four that are standing out right now:

1. DSCR Loans

   Perfect for investors who don’t want to verify income the traditional way. These loans are based on the property’s rental performance — and yes, we’re closing them in 15 days.

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3. Self-Employed Bank Statement Loans

   We’re helping entrepreneurs qualify using 12–24 months of bank statements instead of tax returns. If you know business owners frustrated with the usual process, this is a game-changer.

   
   

4. Lender-Paid Buydowns2/1 and 1/0 buydowns help reduce the payment in year one — no seller concessions needed. Buyers can ease into the loan while still having the flexibility to refinance later.

   
   

5. Down Payment Assistance (DPA)

   Still alive and well — and yes, we’re structuring these to close in under 3 weeks when done right. Great for first-time buyers trying to stay liquid.

These aren’t “last resort” options — they’re smart, fast-moving solutions that are helping people win in today’s market.

If you or someone you know needs a more strategic path forward, let’s talk. There’s more than one way to win in this market — and we’ve got the playbook.