Loans by type and state

17 loan programs, all 50 states. Each page explains the program, shows the latest rate benchmark when FundShift has one, names any FundShift loan officers who list it, and lets you submit one request that lenders compete for.

Home loans

Conventional loans

A conventional loan is a mortgage that isn't insured or guaranteed by a government agency. Most follow Fannie Mae and Freddie Mac guidelines ("conforming" loans), and 30-year and 15-year fixed terms are the most common.

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FHA loans

An FHA loan is a mortgage insured by the Federal Housing Administration, part of HUD. The insurance lets approved lenders accept lower down payments and more flexible credit than many conventional loans.

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VA loans

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and some surviving spouses.

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USDA loans

A USDA loan is a mortgage guaranteed through the U.S. Department of Agriculture's Rural Development program for homes in eligible rural and suburban areas.

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Jumbo loans

A jumbo loan is a mortgage above the conforming loan limit the FHFA sets each year, so it can't be sold to Fannie Mae or Freddie Mac. Each lender sets its own guidelines.

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Bank Statement / Non-QM loans

A bank statement (non-QM) loan is a mortgage outside the CFPB's Qualified Mortgage rules, so the lender can verify income in other ways — most often 12 to 24 months of bank statements instead of tax returns.

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Renovation loans

A renovation loan finances the purchase (or refinance) of a home plus the cost of repairs or improvements in one loan. Common programs include FHA 203(k), Fannie Mae HomeStyle, and Freddie Mac CHOICERenovation.

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Medical Professional loans

A medical professional (physician) loan is a mortgage program offered by individual banks and lenders — not a government program — for doctors, dentists, and often residents and fellows.

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Asset Depletion loans

An asset depletion loan qualifies you on your liquid assets instead of your paycheck. The lender converts eligible savings, investment, and retirement balances into a monthly income figure.

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Cash-Out Refi loans

A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash — a way to turn home equity into money for renovations, debt payoff, or other goals.

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Construction loans

A construction loan pays for land and building a home in stages. Funds are released on a draw schedule as work is inspected, and construction-to-permanent loans convert to a regular mortgage when the build is done.

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Investor and business-purpose loans

For investment and commercial property — not a home you'll live in.

Fix & Flip loans

A fix-and-flip loan is short-term financing for investors who buy distressed property, renovate it, and sell or refinance it. It is business-purpose credit, not a home loan for the borrower to live in.

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DSCR loans

A DSCR loan is an investor rental loan qualified on the property's cash flow. The debt service coverage ratio compares the rent to the full monthly payment, so no personal income documents are needed.

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Hard Money loans

A hard money loan is asset-based financing from a private lender, underwritten mostly on the property's value and equity rather than the borrower's income.

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Commercial loans

A commercial real estate loan finances income-producing property such as retail, office, industrial, and multifamily buildings with five or more units.

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Bridge loans

A bridge loan is short-term financing that covers the gap between two transactions — for example, buying the next property before the current one sells, or stabilizing a property before long-term financing.

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Blanket / Portfolio loans

A blanket (portfolio) loan is a single loan secured by several investment properties — one closing, one payment, one lender for a whole portfolio.

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Not sure which loan fits?

Describe the deal and FundShift matches it to loan officers who fund that kind of loan in your state.

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