Loan Programs
A full suite of mortgage solutions designed to fit your unique financial situation — from first-time buyer grants to investor financing.
Down Payment Assistance
Forgivable grants that help you close the gap — no repayment, no second mortgage sitting behind your first.
- Completely forgiven, not repaid
- Layerable with FHA, VA, USDA, or conventional
- For first-time and income-qualified buyers
- Primary residence purchases
Bank Statement Loans
Self-employed? Qualify using bank statements instead of tax returns, with as little as 10% down.
- 12–24 months of statements
- Write-offs don't drag income down
- 10% down payment
- Personal or business statements
Refinancing
Lower your rate, change your term, or access equity with a free refinance analysis.
- Rate-and-term refinance
- Cash-out refinance
- Streamline refinance (FHA/VA/USDA)
- Break-even analysis included
New Home Loans
Get pre-approved for your next home purchase in Saratoga Springs with a real, underwritten budget.
- Real underwritten pre-approval
- Strong offer backing for sellers
- Full process: conversation to closing
- Multiple loan types available
Conventional · FHA · USDA · VA
Four core government and conventional programs compared side by side so you pick the right one.
- Conventional: 3–5% down, PMI removable
- FHA: 3.5% down, flexible credit
- USDA: 0% down in eligible areas
- VA: 0% down, no monthly MI
Profit & Loss (P&L) Loans
Qualify using a CPA-prepared profit and loss statement — no tax returns required.
- CPA- or EA-prepared P&L
- 12 or 24 month statements
- For complex or fast-growing income
- Pairable with bank statements
Investment Property Loans
Financing built for real estate investors — single-family, multi-unit, and portfolio options.
- 1–4 unit properties
- Purchase and cash-out refinance
- Rental income can help qualify
- Portfolio and alt-doc programs
HELOC
A revolving line of credit secured by your home's equity — draw what you need, when you need it.
- Borrow up to 80–90% CLTV
- Interest only on what you draw
- 10-year draw period
- Lower rates than credit cards
Debt Consolidation
Roll high-interest credit cards and loans into one lower monthly payment using your home's equity.
- Lower overall interest rate
- One simple monthly payment
- Free up monthly cash flow
- Cash-out refinance or HELOC
Business Owner Loan
Mortgage financing built for self-employed business owners — qualify on bank statements or a prepared P&L, not tax returns.
- Bank statement or P&L qualifying
- Write-offs don't reduce income
- For LLC, S-corp & 1099 earners
- 10% down payment
Jumbo Loan
Financing for high-value Utah homes that exceed conforming loan limits — competitive rates and flexible terms.
- Loans above conforming limits
- 10–20% down payment
- Primary, second home & investment
- Competitive jumbo rates
Doctor Loan
Physician mortgage financing with low or no down payment and no PMI — built for doctors early in practice.
- Low or zero down payment
- No private mortgage insurance
- Flexible student debt treatment
- Qualify on employment contract
Not Sure Which Program is Right for You?
We'll help you compare options, understand the requirements, and choose the mortgage that best aligns with your long-term goals.