Different goals call for different structures. Start with an option below, then we’ll review your full picture.
Explore your options
Conventional
A flexible starting point for a home purchase or refinance.
Conventional mortgages are not government insured or guaranteed. Compare the down payment, mortgage insurance, rate structure and closing costs together, rather than choosing by rate alone.
Worth a conversation if
Established income and credit, a purchase or refinance, and a plan for how long you will keep the loan.
What we’ll compare
Mortgage insurance, cash needed at closing, property use and total cost.
An alternative worth comparing when conventional financing is a stretch.
FHA-insured financing can offer a different path for a primary-home purchase. Mortgage insurance and the full monthly payment deserve a careful comparison with conventional financing.
Worth a conversation if
Buyers who want another way to approach down payment or credit challenges.
What we’ll compare
Upfront and ongoing mortgage insurance, property requirements and funds to close.
Explore the home-loan benefit you may have earned.
For eligible veterans, service members and certain surviving spouses, VA-backed financing can support buying or refinancing a home. Ian can help you understand the benefit and compare the complete loan structure.
Worth a conversation if
Borrowers with potential VA eligibility who are buying or refinancing a primary residence.
What we’ll compare
Eligibility and entitlement, any applicable funding fee, closing costs and the monthly budget.
Financing for a larger purchase or mortgage balance.
Jumbo financing addresses loan amounts above the applicable conforming limit. Requirements differ by lender, so the income story, available assets and property matter alongside the requested amount.
Worth a conversation if
Buyers or homeowners whose financing needs exceed a conforming loan.
What we’ll compare
Reserves, documentation, leverage, rate structure and closing costs.
A closer look when standard documentation does not tell the whole story.
Self-employed income, rental properties and complex finances may call for a different documentation approach. Bank-statement and DSCR routes serve different needs; neither removes the need for a lender to assess the file.
Worth a conversation if
Business owners, investors and borrowers whose income needs a more tailored review.
What we’ll compare
How income or rental cash flow is evaluated, reserves, down payment, costs and any prepayment terms.
Use equity while keeping your existing first mortgage.
A HELOC generally provides revolving access to funds, while a home equity loan generally delivers a lump sum. Compare how you receive the money, whether the rate can change, and how repayment works.
Worth a conversation if
Homeowners seeking funds for improvements, debt payoff or another defined goal.
What we’ll compare
Draw and repayment periods, the full line limit, fees and combined payments. Your home secures the debt.
A reverse mortgage is a loan against home equity with a different repayment structure. Interest and fees can increase the balance over time. Review the effect on remaining equity and future housing plans before deciding.
Worth a conversation if
Homeowners exploring retirement cash flow, subject to the program’s age, occupancy and other requirements.
What we’ll compare
Taxes, insurance and maintenance remain your responsibility. Understand when repayment becomes due and the effect on heirs.
Change the mortgage only when the trade-offs make sense.
A refinance replaces an existing mortgage. A rate-and-term refinance focuses on changing the rate, term or structure; a cash-out refinance also accesses equity. Compare the new balance and lifetime cost with keeping your current loan.
Worth a conversation if
Homeowners considering a different payment, payoff timeline or use of equity.
What we’ll compare
Closing costs, break-even, remaining term and total interest. A lower payment can still increase the total cost.
Compare a simpler payment with the cost of putting debt against your home.
Home equity financing or a cash-out refinance may be used to pay off other debts. The useful comparison includes fees, payoff amounts and how long the new debt will remain outstanding—not just the monthly payment.
Worth a conversation if
Homeowners with equity who want to evaluate a defined debt-payoff plan.
What we’ll compare
You may convert unsecured debt into debt secured by your home. A longer term can increase total interest.
Start with a comfortable payment and the cash needed for the purchase. Conventional, FHA, VA and assistance options may be worth exploring depending on your circumstances and location.
Worth a conversation if
Buyers who want help understanding the process, gathering documents and comparing routes.
What we’ll compare
Down payment, closing costs, taxes, insurance, reserves and any assistance program’s repayment conditions.
Educational overview, not a credit decision or commitment to lend. Availability, terms and eligibility depend on the lender, property, state and full application. CFPB: understanding loan types.
Let’s narrow it down together.
Tell Ian what you want to accomplish. We’ll start with the structures worth exploring.
Tell Ian the property’s city or county, whether it will be your primary home, a second home or a rental, and what you want the financing to accomplish. Property location, occupancy and the selected lender affect the options and costs to review.
Ask for an itemized comparison that includes property taxes, homeowners insurance, any association dues and closing costs. Program availability and approval depend on your application, property and lender review.