Loan Programs

Every Loan, Every Situation

From first-time buyers to experienced investors โ€” I have access to the full range of loan programs through Ensure Home Loans.

Most Popular

Conventional

The go-to for borrowers with solid credit. Flexible terms, competitive rates, and no upfront mortgage insurance once you hit 20% equity.

3%Min Down
620Min Credit
30yrMax Term
First-Time Buyers

FHA Loans

Government-backed lending with more lenient credit standards. Great for buyers with less-than-perfect credit or smaller down payments.

3.5%Min Down
580Min Credit
30yrMax Term
Veterans & Military

VA Loans

Exclusive benefit for eligible veterans and active-duty service members. Zero down payment, no PMI, and competitive rates.

0%Min Down
580Min Credit
No PMIEver
Luxury Homes

Jumbo Loans

Finance properties above the conforming loan limit. Loan amounts up to $3M+ for qualified borrowers with strong credit profiles.

10%Min Down
700Min Credit
$3M+Up To
Investors

DSCR Loans

Debt Service Coverage Ratio loans โ€” qualify based on rental income from the property, not your personal income. Ideal for real estate investors.

20%Min Down
620Min Credit
1.0+Min DSCR
Self-Employed

Bank Statement

Skip the W-2s. Qualify using 12โ€“24 months of bank statements. Designed for entrepreneurs, freelancers, and self-employed borrowers.

10%Min Down
620Min Credit
12โ€“24Months Stmts
Short-Term

Hard Money

Asset-based lending for fix-and-flip projects, distressed properties, and situations where speed matters more than rate.

FastClosing
AssetBased
ShortTerm
Build New

Construction Loans

Finance the construction of a new home from the ground up. One-time close options available to simplify the process.

NewConstruction
1xClose Options
CustomBuild
Commercial

Commercial Loans

Financing for commercial properties, multifamily buildings, mixed-use developments, and business real estate needs.

MultiFamily
MixedUse
RetailOffice
View All Programs on EnsureHomeLoans.com โ†’

Not Sure Which Program is Right for You?

That's what I'm here for. Tell me about your situation and I'll point you to the best loan option โ€” no pressure, no obligation.