5 Loan Programs You Didn’t Know You Could Qualify For

A lot of buyers assume they can’t qualify—or that rates are too high. But here’s the truth: there are strategic loan programs available right now that are helping our clients buy, refinance, or invest without waiting for perfect timing.

Here are 5 you should know about:

1. Strike Rate RefinanceRefinance now at today’s rate—but get automatic access to a lower rate if the market improves later. No full re-qual, no big costs, just a second bite at the rate apple. Perfect for debt consolidation, PMI removal, or cash-out.

2. 3% Down Conventional (HomeReady/Home Possible)Own a home with just 3% down and reduced PMI. Income limits apply, but we’re helping qualified buyers get into homes with less cash than they expected.

3. 2/1 BuydownsSellers or lenders can cover a buydown so you pay 2% lower in year one, 1% lower in year two, and then settle into your fixed rate. Great for easing into the payment without giving up on homeownership.

4. DSCR Loans (No-Income Investment Loans)Use the property’s cash flow to qualify. No tax returns, no W2s. Just a smart way for investors to scale or refi without traditional income docs.

5. Bank Statement Loans for Self-EmployedYour deposits tell your story. We can use 12–24 months of business or personal bank statements to qualify self-employed clients who get penalized by write-offs.

Whether you’re buying, refinancing, or just curious—there are more options than you think. Let’s explore what fits your life and goals.