40 Year Mortgage: Can You Get One and Who Offers It?
You can get a 40 year mortgage, but only from non-QM and portfolio lenders, because federal rules cap qualified mortgages at 30 years. Here is who offers one…
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Niche Mortgage Products
Self-employed borrowers, investors and retirees with assets often don’t fit standard loan rules. These guides explain specialty loans that qualify you in other ways. Start with our non-QM loan guide.
Small Mortgage Loans: How to Get One Under $100,000
You can get a mortgage under $50,000 or $100,000, but fewer lenders make one and fees take a bigger share. Here is why, and where to apply first.
No Income Verification Mortgage | Guidelines for 2026
When you apply for a mortgage, the lender wants to ensure that you have the financial resources to repay the loan. If you don’t have standard proof of…
Bank Statement Loans: The Modern Stated Income Mortgage for Self-Employed Borrowers
For most primary-home mortgages, lenders must verify repayment ability. Bank statement loans let self-employed borrowers document income from deposits instead of tax returns.
Asset Depletion Loans: How to Qualify for a Mortgage With Assets, Not Income
An asset depletion loan converts savings, brokerage, and retirement balances into qualifying income. Retirees and investors with substantial assets but little paycheck income may qualify this way.
DSCR Loan Guide for Rental Property Investors
A DSCR loan lets a landlord qualify a rental purchase or refinance using the property's rent instead of personal income. Here is how the ratio works, what lenders…
Non-QM Loans: What a Non-Qualified Mortgage Is and Who Qualifies
A non-QM loan falls outside the Qualified Mortgage definition. Compare alternative documentation, lender requirements, and repayment terms before choosing one.
Investment Property Loans | Options & Requirements 2026
If the road to real estate riches were an easy one, everyone would be a millionaire landlord or house-flipper. This guide explains the investment property loans available to…
HomeReady Mortgage | Requirements & Income Limits for 2026
Fannie Mae aims to make home buying easier through its HomeReady mortgage program. Here are a few highlights of the program: Is a HomeReady mortgage only for first-time…
Home Equity Loan Rates & Requirements 2026
As a homeowner, you’ll build equity in your home with each mortgage payment. When you need to fund a big expense, a home equity loan can help you…