• First-time homebuyers
• Buyers with limited down payment savings
• Non-U.S. citizens using an ITIN
• Building credit while owning a home
• Buyers with good credit
• Those buying a second home or investment property
• Buyers looking for 0% down payment options
• Purchasing a home in eligible rural or suburban areas
• Borrowers with unconventional income sources
• Real estate investors qualifying based on property cash flow.
• Real estate investors seeking to finance income-generating properties
• Qualifying based on property cash flow rather than personal income
• Veterans and active-duty service members seeking 0% down payment options
• Purchasing a home with flexible qualification requirements
• Buyers looking to finance high-value properties
• Purchasing luxury homes or properties that exceed conventional loan limits
REFINANCE
• Homeowners seeking lower monthly payments
• Reducing interest rates on an existing loan
• Home improvements or renovations
• Consolidating high-interest debt