Loan fit, explained
See which loans fit youand exactly why.
Answer a few quick taps. We'll show the loan types that may fit your situation, what paperwork each needs, and what a licensed loan officer will look at. No credit check. No forms first.
Not a credit decision · Reviewed by licensed loan officers · UPM NMLS 2362651
How it works
Clarity first. Paperwork later.
- 01
Tell us your situation
90 seconds, taps not forms.
- 02
See your fit, with reasons
2–3 loan types, trade-offs, and paperwork.
- 03
Talk to a licensed loan officer
Only if you want to.
Programs
Programs built for real situations
The paperwork ladder
From least to most documentation
- 1
HEA
No income docs
- 2
DSCR
Property rent
- 3
No-income-verification cash-out
Credit + equity
- 4
Asset-based
Account statements
- 5
P&L / 1099
CPA P&L or 1099s
- 6
Bank statement
12–24 months deposits
- 7
HELOC / Conventional / FHA / VA
Full documentation
- 8
Jumbo
Full documentation + reserves
Lighter paperwork usually costs more. We'll show both sides.
Today's market
The average 30-year fixed rate was 7.03% for the week of Sept 24, 2026 (Freddie Mac PMMS). This is a national average, not an offer. Your rate depends on credit, down payment, property and more.
FAQ
Straight answers
No. The guide never pulls credit. A loan officer only does that later with your permission.