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Loan Programs

Mortgage Programs for Every Goal

From first-time buyer options to investor financing and specialized programs, explore what may fit your situation. All programs are subject to eligibility and underwriting.

Conventional Loans

A flexible, popular option for buyers with solid credit and a steady down payment.

FHA Loans

Government-insured financing with flexible credit and low down payment options.

VA Loans

A benefit earned through service — zero down payment financing for eligible veterans and active military.

USDA Loans

Zero-down financing for eligible rural and suburban homebuyers.

Jumbo Loans

Financing above conforming loan limits for higher-priced homes.

Reverse Mortgages

Turn a portion of your home equity into greater financial flexibility while continuing to own and live in your home.

DSCR Loans

Qualify real estate investors based on property cash flow — not personal income.

ITIN Loans

A path to homeownership using an Individual Taxpayer Identification Number instead of a Social Security number.

Bank Statement Loans

Self-employed borrowers can qualify using bank statements instead of traditional income documentation.

Asset Depletion Loans

Leverage your accumulated assets to qualify — ideal for borrowers with significant wealth but limited monthly income.

Renovation Loans

Finance the home and the improvements in a single loan — buy, renovate, and build equity.

Unique Property Financing

Financing options for manufactured and prefab homes, barndominiums, hobby farms, rural acreage, and other properties outside the standard box.

Not Sure Which Fits?

Talk to Kahren Oxner

Founder & CEO

Talk through your goals with Kahren and compare the options that may fit your situation.

Apply With Kahren (503) 453-6849 Schedule a Call

Schedule Apply Now