Can you get down payment assistance in Texas?
Down payment assistance may make buying a home more realistic than you think. Take the quiz to see whether you may qualify.
Take the quizLoan Options and Special Programs
This page gathers special mortgage situations, loan options, and program-focused pages in one place so you can find the topics that may match your goal. Some pages include a short quiz. Others invite you to request details so we can help you understand whether the option fits your situation.
Not sure which option fits? Start with our guides, calculators, or Can I Qualify topics before requesting details.
First-time homebuyer
Programs and situations that may help new buyers understand their options and take the next step.
Could a mortgage interest tax credit boost your tax refund?
A mortgage interest tax credit may reduce your federal tax bill and put more money back in your pocket. Take the quiz to see whether this benefit may apply.
Take the quizCommission-only?
You can buy a home!
Commission income can be hard to document, especially when it is new or variable. This option may help commission-only buyers understand whether they can still qualify.
Request detailsDon't let gig work stop you from buying a home!
Gig income can make mortgage qualification feel complicated, but it does not have to stop your homebuying plans. This option may help you qualify without using tax returns.
Request detailsCould a mortgage interest tax credit help you buy more home?
A mortgage interest tax credit may increase your effective qualifying income and help you explore a larger home budget. Take the quiz to see whether it may fit.
Take the quizYou're eligible for a VA loan
VA loans include benefits many eligible buyers do not fully understand. Request details to learn how VA loan features may make buying a home easier or more flexible.
Request detailsBuy a home
Loan options and special situations for people preparing to buy a home.
Buy a home without using tax returns!
Business owners do not always show income the way traditional mortgage guidelines expect. This option may help you buy a home without using tax returns to qualify.
Request detailsCommission-only?
You can buy a home!
Commission income can be hard to document, especially when it is new or variable. This option may help commission-only buyers understand whether they can still qualify.
Request detailsYou're eligible for a VA loan
VA loans include benefits many eligible buyers do not fully understand. Request details to learn how VA loan features may make buying a home easier or more flexible.
Request detailsDon't let gig work stop you from buying a home!
Gig income can make mortgage qualification feel complicated, but it does not have to stop your homebuying plans. This option may help you qualify without using tax returns.
Request detailsCould a mortgage interest tax credit help you buy more home?
A mortgage interest tax credit may increase your effective qualifying income and help you explore a larger home budget. Take the quiz to see whether it may fit.
Take the quizRE agents: You can buy
your own dream home!
Real estate agents often have income that does not fit neatly into traditional mortgage guidelines. This option may help you buy your own home without relying on tax returns to qualify.
Request detailsCan you get down payment assistance in Texas?
Down payment assistance may make buying a home more realistic than you think. Take the quiz to see whether you may qualify.
Take the quizCould a mortgage interest tax credit boost your tax refund?
A mortgage interest tax credit may reduce your federal tax bill and put more money back in your pocket. Take the quiz to see whether this benefit may apply.
Take the quizRefinance your home
Options that may help you lower your payment, change your loan terms, or solve a specific refinance goal.
Could an FHA streamline refinance lower your payment?
If you have an FHA loan, a simplified refinance may help lower your rate or monthly payment. Take the quiz to see whether a streamline refinance may be worth exploring.
Take the quizCould a VA streamline refinance lower your payment?
If you have a VA loan, a streamlined refinance may help lower your payment or improve your loan terms. Take the quiz to estimate whether this option may fit.
Take the quizUse your home equity
Ways homeowners may be able to use available equity for debt consolidation, improvements, or other needs.
Use your home equity
Not sure whether a home equity loan, HELOC, or cash-out refinance makes sense? Start with the calculator and explore which option may fit your goal.
Request detailsNot sure what to do about holiday debt?
Start with a checkup
If holiday debt is still hanging around, start with a no-pressure checkup. We'll help you compare real options so you can understand whether home equity, refinancing, or another strategy may make sense.
Start the conversationKeep your low mortgage rate and still consolidate debt
You may not have to give up a low first-mortgage rate to consolidate debt. See whether a home equity option could help you address debt while keeping your current mortgage in place.
Start the conversationOne conversation can simplify your debt
Debt can feel easier to manage when you understand your options. Start one clear conversation to see whether consolidation, home equity, or another mortgage strategy may help simplify your monthly payments.
Start the conversationInvestment property loans
Options for rental property, short-term rentals, condos, and small multifamily properties.
Buy your own short-term rental
Short-term rentals can be harder to finance through traditional loan guidelines. This option may help you qualify using the property's rental potential instead of proving personal income or employment.
Request detailsBuy a small apartment the easy way
Small multifamily properties can be a powerful investment. This option may help you qualify using the property's expected rental income rather than traditional income documentation.
Request detailsAn easy way to acquire more rentals
Ready to grow your rental portfolio? This option may help you buy additional rental properties using each property's expected rental income instead of traditional income documentation.
Request detailsBuy rental property the easy way
Want to buy a rental property without the usual income-documentation hurdles? This option may let the property's expected rental income help support the loan.
Request detailsBuy an investment condo the easy way
Interested in an investment condo, condotel, or property with rental-pool features? This option may let the property's rental potential support the loan instead of traditional income documentation.
Request detailsOther ways we may be able to help
Be your own builder
Want more control over your new home? This option explores whether you may be able to act as your own builder and finance the construction.
Request detailsBuild your home with little to no money down
Thinking about building instead of buying an existing home? You may be able to finance construction with little to no money out of pocket.
Request detailsNot sure which option fits
That's okay. You don't need to choose the perfect program before asking questions. Tell us what you're trying to accomplish, and we'll help you understand your options.
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