Loan Programs
Every way to buy, refinance or use your equity
Not sure which loan fits? Start with what you want to do, or go straight to a program. I shop many lenders to match the loan to your situation.
Start here
What are you looking to do?
Buy a home
First home, next home or investment property. See how the process works and what you may qualify for.
Learn more →Refinance
Lower your rate, shorten your term or take cash out of the equity you have built.
Learn more →Run the numbers
Eight free calculators for payments, refinancing and home equity. No email and no credit pull.
Learn more →All programs
Find the loan that fits
Conventional Loans
The most common home loan. Low down payment options for qualified buyers and competitive rates with good credit.
Learn more →FHA Loans
Government-insured loans with a low down payment and more flexible credit guidelines.
Learn more →VA Loans
For eligible veterans, service members and surviving spouses. No down payment required in most cases and no monthly mortgage insurance.
Learn more →USDA Loans
No down payment financing for eligible buyers in qualifying rural and suburban areas.
Learn more →Bank Statement Loans
For self-employed borrowers. Qualify with bank statements instead of tax returns.
Learn more →DSCR Investor Loans
For rental property investors. Qualify on the income the property produces instead of your personal income.
Learn more →Not sure which loan is right for you?
Tell me your situation and I will tell you which options make sense, with no pressure.
General information only, not a loan offer or a commitment to lend. Program availability, down payment and eligibility depend on your credit, income, property and lender guidelines. Mack Davidson, NMLS #1006831, E Mortgage Capital, Inc., NMLS #1416824. Equal Housing Opportunity.