Mortgage Solutions for Real-Life Borrowing Situations

Not every borrower fits neatly into a traditional mortgage box. Explore common financing situations based on your income, property, goals, and financial circumstances to find mortgage options that may fit your needs.

Browse Mortgage Solutions

Explore common borrower situations and financing needs to find mortgage options that may fit your goals.

Self-Employed & Nontraditional Income

Mortgage solutions for borrowers whose income may not fit neatly into traditional W-2 qualification.

Mortgage Options With One Year of Self-Employment Bank Statement Mortgage Options Mortgage Options When Tax Write-Offs Reduce Your Income Mortgage Options After Going From W-2 to 1099 Mortgage Options Using 1099 Income Mortgage Options Using a Profit and Loss Statement Mortgage Options With Multiple Income Sources Mortgage Options Using Commission Income Mortgage Options Using Bonus and Overtime Income Mortgage Options Using Seasonal Income

Gig & App-Based Workers

Explore mortgage options for borrowers earning income through rideshare, delivery, shopping, and other app-based work.

Mortgage Options for Gig Workers Mortgage Options for Uber Drivers Mortgage Options for Uber Eats Drivers Mortgage Options for Lyft Drivers Mortgage Options for DoorDash Drivers Mortgage Options for Instacart Shoppers Mortgage Options for Shipt Shoppers Mortgage Options for Amazon Flex Drivers Mortgage Options for Walmart Spark Drivers

Real Estate Investors

Mortgage solutions for borrowers purchasing, keeping, refinancing, or expanding investment property portfolios.

DSCR Mortgage Options for Rental Properties Mortgage Options for First-Time Real Estate Investors Mortgage Options for Borrowers With Multiple Rental Properties Mortgage Options for 2–4 Unit Investment Properties Mortgage Options for Airbnb and Short-Term Rentals Qualifying for a Mortgage Using Rental Income Using Departing Residence Rental Income to Qualify Cash-Out Refinance Options for Rental Properties

Home Equity & Debt

Explore ways homeowners may be able to use existing equity without replacing their current first mortgage.

Use Home Equity for Debt Consolidation Use Home Equity to Pay Off Credit Card Debt Use Home Equity for Home Improvements Access Home Equity Without Refinancing Your First Mortgage HELOC vs. Home Equity Loan

Buying & Moving Situations

Mortgage solutions for borrowers navigating a home purchase, move, or change in how they use their current property.

Buy a New Home Before Selling Your Current Home Buy a New Home and Keep Your Current Home as a Rental Delayed Financing After a Cash Home Purchase Using Gift Funds for a Down Payment Mortgage Options for High-Value Homes

Qualification, Employment & Property Challenges

Explore mortgage options when credit, employment history, assets, debt, or property type make traditional qualification more complicated.

Mortgage Options With a Low Credit Score Mortgage Options With a High Debt-to-Income Ratio Mortgage Options With Student Loan Debt Mortgage Options After a Recent Job Change Mortgage Options With Less Than Two Years of Employment Mortgage Options When Returning to Work Mortgage Options for Borrowers With Significant Assets Mortgage Options Using Retirement Assets Manufactured Home Financing

Not Sure Which Mortgage Option Fits Your Situation?

Tell us what you're trying to accomplish and explore mortgage options that may fit your income, property, and financial goals.

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