Every Loan Type. One Expert. 250+ Lenders.
From VA loans for veterans to Non-QM for the self-employed — we have the program and the lender network to make it happen.
VA Loans
Veteran BenefitZero Down. No PMI. Earned by Service.
The VA Home Loan benefit is one of the most powerful financial tools available to those who served. With $0 down payment, no private mortgage insurance, and competitive rates, it's the gold standard in home financing.
Learn MoreNo Limit (Full Entitlement)
- 2026 VA Loan Limit: No limit for full entitlement
- $0 down payment for qualified veterans
- No private mortgage insurance (PMI)
- Competitive rates — often below conventional
- VA IRRRL streamline refinance available
- Residual income test (not just DTI)
FHA Loans
Low Down Payment3.5% Down. Flexible Credit. Real Opportunity.
FHA loans are the go-to program for first-time buyers and those rebuilding credit. Daryl is a NAMB Certified FHA Mortgage Professional (CFMP) — meaning you're working with a specialist, not a generalist.
Learn More$524,225 – $1,209,750
- 2026 FHA Floor: $524,225 (most counties)
- 2026 FHA Ceiling: $1,209,750 (high-cost areas)
- Minimum 3.5% down with 580+ credit score
- Down to 500 credit score with 10% down
- Gift funds allowed for down payment
- Seller concessions up to 6%
Conventional Loans
Most PopularThe Gold Standard. Broadest Lender Access.
Conventional loans offer the most flexibility for borrowers with strong credit. As a broker, we access wholesale pricing across 250+ lenders — delivering better rates than most retail banks can offer.
Learn More$806,500 (baseline)
- 2026 Conforming Limit: $806,500 (baseline)
- High-balance up to $1,209,750 in certain counties
- As low as 3% down (first-time buyers)
- No upfront mortgage insurance
- PMI cancels at 80% LTV
- Fannie Mae & Freddie Mac guidelines
Jumbo Loans
High ValueAbove Conforming Limits. Maximum Flexibility.
Jumbo loans finance properties above the conforming loan limits. As a broker, we access portfolio lenders with competitive jumbo programs not available through direct banks.
Learn More$806,500+
- Loan amounts above $806,500
- Up to $3M+ with select lenders
- As low as 10% down on some programs
- Primary, second home, and investment
- Interest-only options available
- Asset depletion qualifying available
USDA Loans
Zero Down100% Financing for Eligible Locations.
USDA loans offer zero down payment financing for eligible rural and suburban properties. Many Colorado, Nebraska, and Florida properties qualify — even in suburban areas that surprise most borrowers.
Learn MoreBased on area median income
- 0% down payment — 100% financing
- Income limits apply (115% of area median)
- Property must be in eligible rural/suburban area
- 30-year fixed rate only
- Upfront guarantee fee: 1% of loan amount
- Annual fee: 0.35% of remaining balance
Non-QM Loans
Flexible DocsComplex Income? We Have Your Program.
Non-Qualified Mortgage programs serve borrowers who don't fit traditional income documentation requirements — self-employed, investors, foreign nationals, and those with recent credit events.
Learn MoreProgram-specific
- Bank statement loans (12 or 24 months)
- DSCR loans for real estate investors
- 1099 income programs
- No-ratio / asset depletion programs
- Recent bankruptcy/foreclosure OK
- Foreign national programs available
Reverse Mortgage (HECM)
Age 62+Unlock Your Equity. No Monthly Payments.
FHA-backed HECM loans allow homeowners 62+ to access home equity with no required monthly mortgage payments. The 2026 HECM lending limit has increased to $1,249,125 — more accessible than ever for CO, NE, and FL homeowners.
Learn More$1,249,125 (HECM)
- 2026 HECM Lending Limit: $1,249,125
- No required monthly mortgage payments
- Age 62+ with ~50% equity or more
- Primary residence only
- HECM for Purchase (H4P) available
- Non-borrowing spouse protections included
Not Sure Which Program is Right for You?
Daryl will review your situation and match you with the best program across 250+ lenders — at no cost to you.