Loan programs
Every loan type, one expert.
Purchase to reverse, conventional to DSCR — Choice Home Mortgage shops hundreds of lenders to find the program that actually fits your life. Choose your door below.
One conversation. The whole market.
A bank can only ever offer you the bank’s own loan. As a broker, Choice Home Mortgage works the other way around — we represent you, shop your file across hundreds of lenders and programs, and bring back the ones that genuinely fit. Owner Esther Buede guides it personally, from the first call to the keys.
Not sure which program is right? That’s exactly the conversation to have. Start your application or call and we’ll point you to the best fit — honestly, even if it isn’t the one you expected.
One expert who knows them all.
Purchase to reverse, conventional to DSCR — every loan type under one roof, guided personally. Choose your door; we’ll find the lender behind it.
Purchase
Your first home or your next — guided to the keys.Buy with confidenceRefinance
Lower the payment, change the term, or tap equity.Lower payment · cash outFHA
A government-backed loan that opens more doors.3.5% down · 580 creditVA
The earned benefit for those who served.$0 down · no monthly MIJumbo
Financing beyond conforming limits.Up to $3M and beyondBridge
Buy your next home before selling this one.Interest-only · fast closeConventional
The classic path home — flexible terms.620+ credit · PMI under 20%ARM
A lower initial rate when you won't hold long.Lower start · short-term fitReverse
Turn equity into retirement cash flow.Homeowners 55 and upBank Statement
Qualify on bank deposits, not tax returns.Self-employed friendlyP&L Only
Qualify on a profit-and-loss statement.Business ownersNo Income Proof
Asset-based — qualify without income docs.Equity / asset based1099 Only
Qualify on your 1099s as an independent earner.Contractors · gigDSCR
Qualify on rental income, not personal income.InvestorsProgram figures per HUD, VA, and FHFA program rules; qualification varies by lender and file.
Not sure which loan fits?
One call with the owner — no queue, no pressure. We'll tell you which program is your best path and what it takes to qualify.