All Programs · California
Nine loans. And the honest reason not to take each one.
Every page below contains a tool that argues against the loan it's selling. That isn't modesty — it's the only way you can trust the pages that don't.
3% down · PMI that diesConventionalThe default loan for most buyers. We show you the exact month your PMI disappears — and what it cost you.PMI Death ClockOpen 3.5% down · 580 creditFHAThe most forgiving credit door in America. And a 10% cliff that decides whether MIP lasts 11 years or forever.The 10% CliffOpen $0 down · no PMI, everVAIf you served, this beats everything. And any disability rating — even 10% — erases the funding fee entirely.Funding Fee WaiverOpen Lower rate · same balanceRate & Term RefiA lower payment is not a saving. Restarting a 30-year clock can add six figures of interest.The Reset TrapOpen Turn equity into cashCash-Out RefiIt re-prices your whole mortgage at today's rate. On a 3% loan that costs $506,000 to get $80,000.Rate You DestroyOpen Keep your low rateHELOCBorrow around your mortgage, not through it. Interest-only — which means the balance never moves.Interest-Only IllusionOpen Deposits, not tax returnsBank StatementYour CPA made you look poor. Those write-offs cost you $498,310 of borrowing power.Write-Off ParadoxOpen The property qualifiesDSCRRent ÷ payment. No income check, no cap on properties. Under 1.00 we tell you to walk.The DSCR GaugeOpen Assets become incomeAsset DepletionNo job, no tax returns. The divisor decides everything — and it swings your loan 12×.The DivisorOpen
Not sure which one?
Answer four questions and we'll tell you which of the nine actually fits — including when the answer is "none of them, and here's why."