LOAN PROGRAMS
PORTFOLIO
We offer a complete suite of standard residential, government-backed, and specialized portfolio home loans tailored to support your specific purchase or refinance goals.
MEET OUR HOME LOAN PROGRAMS
Select any program below to explore criteria, down payment requirements, and regional guidelines.
Conventional Loans
Conforming mortgages backed by Fannie Mae and Freddie Mac. Starting at just 3% down for qualified buyers, with customizable loan terms and automatic PMI cancellation.
Explore Conventional →FHA Loans
Government-backed loans designed to help home buyers secure financing with as little as 3.5% down. Offering flexible credit requirements and stable interest rates.
Explore FHA Loans →VA Loans
Exclusive mortgage program for veterans, active military members, and eligible surviving spouses. Features 0% down payment, no private mortgage insurance (PMI), and competitive interest rates.
Explore VA Loans →Jumbo Loans
Financing tailored for luxury and high-value properties exceeding conforming limits. Enjoy competitive fixed-rate or adjustable-rate terms up to $3M+.
Explore Jumbo Loans →USDA Rural Housing
Zero-down payment mortgage option supported by the Department of Agriculture. Designed for eligible properties located in rural and suburban communities.
Explore USDA Options →WHEDA Loans (Wisconsin)
Wisconsin Housing and Economic Development Authority programs offering below-market fixed interest rates and down payment assistance options for state residents.
Explore WHEDA Assistance →Non-QM & Investor Loans
Specialty mortgage programs including bank statement qualification, DSCR investor loans, and asset depletion solutions for self-employed or non-traditional borrowers.
Explore Portfolio Loans →WHICH LOAN IS RIGHT FOR YOU?
We align your personal profile with the correct program to maximize rate discounts, grant funds, and credit flexibility. Review the profile guide on the right.
0% Down, No PMI, lowest interest rates.
3.5% down or down-payment grants.
0% Down options for regional housing.
Qualify using bank statements or rental cash flow.
Low fixed-rates for loans up to $3M+.
UNDERSTANDING YOUR OPTIONS
Before selecting a program, it helps to understand the main categories of residential home financing.
Conforming Mortgages
Loans that conform to the guidelines and lending limits established by Fannie Mae and Freddie Mac ($832,750 conforming limit in 2026). They offer the lowest interest rates and standard documentation checklists.
Jumbo Mortgages
Mortgages that exceed the conforming limit, requiring specialized underwriting and slightly higher reserve requirements. Ideal for premium Dane County home acquisitions.
Specialty Non-QM Loans
Portfolio products that bypass standard W-2 tax documentation. Ideal for self-employed clients using bank statements, or investors using rental property cash flow (DSCR).