Loan Options from Modern Home Lending

What Loan Programs Do We Offer?

Loan programs are always changing. However, most of the core loan programs stay the same. As a broker working with 40+ lenders, we help choose the loan program that fits your situation, not the one program a single bank happens to sell. Here are the most common types of loans:

Conventional – The most common loan. Usually more competitive compared to other programs if you have good credit. 2026 loan limit: $832,750 for a single-unit home in most counties, including all of Arizona.

Jumbo – For buyers who need larger loans. Allows buyers to go above the conventional loan limit.

FHA – Loan from the Federal Housing Administration. Easier to qualify for than conventional. Limits vary by county and are usually lower than conventional limits.

VA – Government loan for U.S. Veterans, service members, and eligible surviving spouses. No mortgage insurance.

Reverse Mortgages – For homeowners 62 and older, designed with no monthly payment (or a payment back to the borrower every month).

Renovation Loans – Buy a home or refinance your current home and finance home improvements into the same mortgage.

DSCR Rental Loans – For investors. These qualify based on the property's rental income instead of your personal income.

Self Employed Loans – Bank statement and other alternative documentation options for business owners whose tax returns don't tell the whole story.

HELOC / 2nd Mortgages – Tap your home's equity with a line of credit or fixed second mortgage without touching your first mortgage's rate.

And Plenty More Without Their Own Page (Yet)

The list above covers the core programs, but as a broker we have access to many more, including:

• No income documentation loans
• Asset-based loans that qualify off your assets instead of employment income
• Bridge loans to help you buy before you sell
• Down payment assistance programs, some of which are grants that don't need to be repaid
• USDA loans for eligible rural areas
• Non-warrantable condo financing
• Fixed and adjustable rate options across nearly every program

If you don't see your situation above, that doesn't mean we can't help. Reach out or request a custom quote and we'll walk through the options together.

The above info is for informational purposes. Program availability, limits, and terms change and may or may not be available at the time of application.