One team.
More possibilities.
From a first home to your next investment, explore options built for different borrowers, properties, and goals. Availability varies by scenario and state.
Conventional
A familiar path. A better experience.For home purchases and refinancing, with a range of down-payment and term options.
Explore your options ↗02 /FHA, VA & USDA
More ways to get home.Government-backed options for eligible buyers, veterans, and qualifying rural properties.
Explore your options ↗03 /DSCR investment loans
Let the property tell its story.Explore rental-income-based qualification for your next investment property.
Explore your options ↗04 /Jumbo
For the home that thinks bigger.Financing conversations for higher-value homes and more complex financial pictures.
Explore your options ↗05 /Bank statement & Non-QM
Your income is more than a W-2.Flexible documentation options for self-employed borrowers and unique scenarios.
Explore your options ↗06 /HELOC & home equity
Put your equity to work.Explore a line of credit or second mortgage for your next project or financial goal.
Explore your options ↗07 /Reverse mortgages
More options for your next chapter.Explore home-equity options for eligible older homeowners, with personal guidance on costs and responsibilities.
Explore your options ↗A real person.
A real answer. A way forward.
Find the right starting point.
DSCR Loans for Rental Property Investors
Explore DSCR loans for rental-property purchases and refinancing. Compare rent, property costs, cash needed, and loan terms with AREG.
→Conventional loans
AREG offers a wide range of conventional loan options for purchases and refinances—fixed-rate, adjustable-rate (ARM), high-balance, and related paths. For first-time and low-to-moderate-income buyers, down-payment assistance programs can open a clearer path to closing. Our Help Desk supports realtor partners when rate or closing-cost challenges show up, so you can keep the conversation moving.
→FHA loans
FHA financing helps eligible borrowers who may not qualify for conventional financing. AREG discusses purchase, rate/term, and cash-out refinance paths, including single- and multi-wide manufactured homes where eligible. Typical program highlights include loan-to-value conversations up to 97.75%, flexible credit and DTI review, assumability for future buyers, and streamlined refinance options. Ask how FHA’s full payment—including mortgage insurance—compares with other programs for your scenario.
→VA loans
As a VA-approved lender path, AREG helps eligible service members, veterans, and qualifying surviving spouses use the VA home loan benefit. Typical advantages include $0 down where entitlement allows, no private mortgage insurance, flexible credit standards, and refinance or equity conversations that differ from conventional loans. Eligibility for the benefit does not replace lender credit, income, and property review.
→USDA loans
USDA-backed rural development loans can be a strong option for eligible borrowers seeking purchase financing with no down payment. AREG discusses 30-year fixed-rate paths, no cash-reserve requirement in many scenarios, seller contributions, and eligible property types that can include single- and multi-wide homes, condos, and PUDs when program rules allow. Property location and household income both matter.
→Jumbo loans
AREG offers fixed-rate jumbo products with competitive pricing conversations and transparent qualification guidelines—built for higher-value homes and faster escrow when the file is complete. Loan amounts can be discussed up to $5,000,000 where eligible. These custom options are not always available at big banks or retail lenders, so bring the property and borrower picture early.
→Bank statement loans
Eligible bank-statement programs give self-employed borrowers another way to document income. AREG discusses options up to 90% LTV on loan amounts up to $3.5M where the file and program allow—so business owners are not stuck with a W-2-only conversation. Deposit history, business expenses, ownership, and transfers still drive the calculation.
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