Enough options to solve the problem—without turning the site into a product catalog.
Phil has access to a broad range of mortgage programs. The useful question is not “How many products are there?” It is “Which programs actually fit this borrower and property?”
Conventional
Fannie Mae and Freddie Mac financing for qualified primary, second-home and investment transactions.
FHA
Government-insured financing with flexible qualifying characteristics for eligible borrowers and properties.
VA
Mortgage options for eligible veterans and service members using VA home-loan benefits.
USDA
Rural-development options for eligible income levels and eligible properties.
CHFA & DPA
Colorado down payment assistance and layered financing when program requirements are met.
Jumbo
Financing for loan amounts above standard conforming limits, subject to lender guidelines.
Bank Statement / Non-QM
Alternative documentation programs for borrowers whose income may not fit standard agency methods.
DSCR
Investment-property financing that may qualify primarily from property cash flow, subject to program rules.
HELOC & Equity
Options for qualified homeowners seeking access to available home equity.
Renovation
Financing structures that may combine qualifying acquisition or refinance needs with eligible improvements.
Manufactured Homes
Financing options where the property and transaction meet applicable program requirements.
Buydowns
Temporary or permanent rate-buydown structures when permitted by the selected loan program.
Some files need more than a rate quote.
Income calculations, business ownership, recent employment changes, non-standard documentation, condo eligibility and agency timing rules can determine whether a loan works. Phil’s strength is identifying those issues early.
Not sure which program fits?
You do not need to choose a loan type before you call.