Loan Options
Mortgage Loan Options Built Around Your Goals
You do not need to know which loan program you need before calling. We compare your goals, income, property and timeline across options from 75+ wholesale lenders, then explain what may fit and why.
Find the right starting point—not just a familiar loan name
The most recognizable program is not automatically the best match. Eligibility, documentation, property type, available funds, monthly obligations and long-term goals all matter. Use this page to explore the possibilities, then let us help narrow the field.
Explore your mortgage options
Each overview leads to a detailed guide with common uses, qualifications, documents, considerations and frequently asked questions.
Conventional Loans
Flexible financing for eligible primary homes, second homes, and investment properties.
FHA Loans
Government-insured financing with qualifying features that may help eligible buyers.
VA Loans
Home-financing options for eligible veterans, service members, and surviving spouses.
First-Time Homebuyer Loans
Guidance on financing, down-payment planning, education, and the purchase process.
CHFA & Down-Payment Assistance
Explore eligible Colorado mortgage and assistance programs through approved wholesale lenders.
Jumbo Loans
Financing strategies for higher-priced homes and loan amounts above applicable conforming limits.
Self-Employed Mortgages
Planning around business income, tax returns, and eligible alternative documentation.
Bank-Statement Loans
Eligible non-QM solutions using qualifying personal or business bank-deposit analysis.
Commission & Bonus Income
Documentation strategies for borrowers whose compensation varies throughout the year.
DSCR Investor Loans
Investment-property financing evaluated primarily through the property’s qualifying cash flow.
Buy Before You Sell
Programs designed to help coordinate a new home purchase before an existing home is sold.
Bridge Loans
Short-term financing that may help bridge eligible real-estate transactions.
Renovation Loans
Eligible financing that combines a home purchase or refinance with planned improvements.
Reverse Mortgages
HECM and relevant alternatives for eligible older homeowners evaluating home-equity options.
Which programs may be worth discussing?
This is a starting framework, not an eligibility decision. The best path depends on the complete borrower and property profile.
| Your objective | Programs commonly reviewed | Important considerations |
|---|---|---|
| Buying a primary home | Conventional, FHA, VA, first-time buyer and eligible assistance programs | Income, assets, credit, occupancy, property and total cost |
| Qualifying with nontraditional income | Self-employed, bank-statement, commission and bonus options | Income history, deposits, business documents and lender guidelines |
| Purchasing an investment property | Conventional investment and DSCR programs | Property cash flow, reserves, experience and property type |
| Moving before your current home sells | Buy Before You Sell and bridge-loan structures | Existing equity, timing, carrying costs and exit strategy |
| Improving or accessing home equity | Renovation and reverse-mortgage options | Project scope, eligibility, long-term goals and obligations |
More programs, one consistent point of contact
Elite Lending Group is a mortgage brokerage. We work with wholesale lenders that offer different program menus, underwriting guidelines and pricing structures. The selected wholesale lender makes the final underwriting decision and funds the loan.
Our job is to compare relevant options, explain the trade-offs, prepare the file and guide the process from planning through closing.
The property and the market can shape the mortgage plan
Condominiums and HOAs
Project eligibility, insurance, reserves, litigation and owner occupancy can affect available financing.
Higher-priced homes
Applicable loan limits and the property location can influence whether conforming, high-balance or jumbo options are reviewed.
Variable or business income
How income is earned and documented may change both the program choices and preparation timeline.
Competitive purchase timelines
Early document review can clarify the budget and reduce avoidable surprises before an offer deadline.
Choosing a mortgage program
How do I know which mortgage program is best for me?
Start with your goals, finances, property and expected timeline. We compare relevant programs and explain differences in eligibility, documentation, estimated costs and long-term considerations before you choose a path.
Do I need to be a first-time homebuyer to receive down-payment assistance?
Not always. Requirements vary by program, household, property and prior ownership history. We can identify which current options may be appropriate to review.
Can self-employed borrowers qualify for a mortgage?
Yes. Depending on the file, possibilities may include standard income analysis, bank-statement programs and other eligible documentation approaches through participating wholesale lenders.
What is the difference between Buy Before You Sell and a bridge loan?
Both may help coordinate a purchase and sale, but their structures, qualification rules, costs and exit strategies differ. The appropriate comparison depends on available equity, timing and the specific transactions.
When should I begin the preapproval process?
Dennie recommends completing preapproval whether you plan to buy 12 days from now or 12 months from now. Starting early provides time to evaluate documentation, credit, assets and potential strategies.
Does access to more lenders guarantee the lowest rate or approval?
No responsible mortgage professional can guarantee either before reviewing the complete transaction. Broader access creates more options to compare, but approval and pricing depend on current market conditions, borrower qualifications, property details and lender requirements.
Build your mortgage plan with Elite Lending Group
Whether your purchase is 12 days away or 12 months away, early preparation can make the next decision clearer.