Conventional Loans
Fannie Mae Conventional Loan
A standard conventional mortgage for eligible home purchases and refinances.
Mortgage Options
Loan Programs
RGI Mortgage is a mortgage broker with access to loan options from wholesale lenders. Start with the plain-English summaries below, then talk with us about the documentation, property, payment, and program requirements that may apply to your situation.
Conventional Loans
Conventional Loans
Fannie Mae High-Balance Conventional Loan
A conventional mortgage for eligible loan amounts above the standard conforming limit in designated high-cost areas.
Conventional Loans
Freddie Mac Conventional Loan
A standard conventional mortgage for eligible home purchases and refinances.
Conventional Loans
Freddie Mac High-Balance Conventional Loan
A conventional mortgage for eligible loan amounts above the standard conforming limit in designated high-cost areas.
Conventional Loans
HomeOne Low-Down-Payment Loan
A conventional option for eligible borrowers buying or refinancing a one-unit primary home.
Conventional Loans
Home Possible Affordable Mortgage
A conventional option for eligible lower-income borrowers purchasing or refinancing a primary home.
Conventional Loans
HomeReady Affordable Mortgage
A conventional option for eligible lower-income borrowers purchasing or refinancing a primary home.
Conventional Loans
Freddie Mac Refi Possible
A limited refinance option for eligible homeowners whose current mortgage is owned by Freddie Mac.
Conventional Loans
Fannie Mae RefiNow
A limited refinance option for eligible homeowners whose current mortgage is owned by Fannie Mae.
Government-Backed Loans
Government-Backed Loans
FHA Home Loan
A government-insured mortgage option for eligible primary-home purchases and refinances.
Government-Backed Loans
USDA Rural Home Loan
A government-backed mortgage for eligible primary homes in qualifying rural areas.
Government-Backed Loans
VA Home Loan
A government-backed mortgage for eligible Veterans, service members, and qualifying surviving spouses.
Alternative Documentation & Investor Loans
Alternative Documentation & Investor Loans
Alternative Income Documentation Loan
A mortgage that may use written employment verification, a profit-and-loss statement, or eligible 1099 income instead of traditional tax returns.
Alternative Documentation & Investor Loans
Rental Property Cash-Flow Loan (DSCR)
An investment-property loan that uses a debt-service coverage ratio to compare rental income with the property payment.
Alternative Documentation & Investor Loans
No-Ratio Investment Property Loan
An investment-property option for eligible borrowers with verifiable assets when personal income is not used for qualification.
Alternative Documentation & Investor Loans
Bank Statement Loan – 12 or 24 Months
A mortgage that may use eligible personal or business bank statements to document self-employed income.
Alternative Documentation & Investor Loans
One-Year Tax Return Loan
A mortgage option that may use one year of eligible tax returns for income documentation.
Alternative Documentation & Investor Loans
Asset-Based Qualification Loan
A mortgage that may use eligible verified assets to calculate qualifying monthly income.
Alternative Documentation & Investor Loans
ITIN Home Loan
A mortgage option for eligible borrowers using an Individual Taxpayer Identification Number instead of a Social Security number.
Jumbo Loans
Jumbo Loans
Jumbo Home Loan
A mortgage for eligible loan amounts above applicable conforming loan limits.
Fixed Home Equity Loans
Fixed Home Equity Loans
Fixed Home Equity Loan – Alternative Documentation
A fixed second mortgage that may use eligible alternative income documentation while keeping the existing first mortgage.
Fixed Home Equity Loans
Fixed Home Equity Loan – Full Documentation
A fixed second mortgage using full income documentation while keeping the existing first mortgage.
Home Equity Lines of Credit
Home Equity Lines of Credit
Home Equity Line of Credit (HELOC) – Full Documentation
A revolving home-equity credit line using full income documentation.
Home Equity Lines of Credit
Home Equity Line of Credit (HELOC) – Alternative Documentation
A revolving home-equity credit line that may use eligible alternative income documentation.
Specialty Programs
Specialty Programs
Doctor Loan for Medical Professionals
A specialized home-financing option for eligible physicians and other qualifying medical professionals.