Loan Products & Programs
A Full Toolkit, Fewer Reasons to Say No
From conventional and government loans to portfolio products you won’t find anywhere else, you get the full lineup, backed by an operations team working right alongside you.
Conventional & Government
Jumbo, ARM & Reverse
Exclusive In-House Portfolio Products
Underwriting to Funding, All In-House
Why It’s Easier Here
Your Operations Team Is In the Building
We keep underwriting, processing, closing, and funding in-house. Nothing gets handed off to a third party you can’t reach. When a file needs a second look or a borrower has a question, you’re working with a colleague, not waiting on a vendor. That means clearer communication, more control over the experience you give your clients, and the ability to advocate for your files directly.
The Full Spectrum of Mortgage Products
A complete lineup so you can match nearly any borrower to the right loan.
Conventional
Predictable payments and competitive fixed or adjustable terms for well-qualified buyers. The dependable core of most pipelines.
FHA
Lower down payments and more flexible credit guidelines that open the door for first-time and credit-building buyers.
VA
Zero-to-low down payment and flexible credit for the veterans and service members who earned it.
USDA
No-down-payment financing for eligible rural and suburban buyers.
Jumbo & High Balance
Financing above conforming limits for higher-value homes and move-up buyers.
Adjustable Rate (ARM)
Lower initial rates for buyers who want flexibility or expect a shorter stay in the home.
Reverse Mortgage (HECM)
Lets homeowners 62 and older tap equity to support their retirement.
Refinance
Rate-and-term and cash-out options that bring past clients back around.
Down Payment Assistance
Access to agency, state, and grant programs that help bridge the gap to closing.
Renovation & Construction
Financing that folds the cost of building or improving a home into the loan.
Products You’ll Only Find Here
Because we lend on our own portfolio, we build products around real borrowers, not just agency boxes. These are deals you can win that competitors selling agency paper have to turn away.
SNhome
Up to 5% down payment assistance, repayable or forgivable, for buyers who are close but short on the down payment.
SNprime
An in-house portfolio loan for self-employed borrowers and complex profiles, with flexible income options like bank statements, 1099-only, P&L, and asset utilization.
SNclose
Blended credit scoring plus down payment assistance, so co-borrowers can qualify together more easily.
SNL DSCR
A portfolio loan for investment properties that qualifies on property cash flow, with LLC and trust closings and first-time and foreign-national investors welcome.
SNMC ITIN
Homeownership for ITIN borrowers with U.S. credit, income, and housing history, with no Social Security number required.
SNEquity
A digital home equity line of credit so clients can put their equity to work without the full purchase-loan process.
SNshare
A shared-appreciation path to ownership with down payment support and no first-time-buyer restriction.
SN Cross Collateral
A way for clients to buy their next home before selling their current one, without juggling two mortgage payments.
One-Time Close
Construction and permanent financing combined into a single loan and a single closing.
Solutions for Borrowers Who Don’t Fit the Box
Extra tools for the clients who’ve been told “no” somewhere else.
Physician Loan
Low-to-no down payment built around a medical professional’s earning potential, not just their current balance.
Non-QM Lending
Expanded documentation and credit options for self-employed borrowers, investors, and high-asset clients who’ve been told no elsewhere.
40-Year Interest-Only
Lower initial payments and more qualifying flexibility for buyers who want long-term affordability.
Arrive Home Earned Equity
An alternative path to ownership for buyers still working toward conventional financing.
More Products, More Yeses, More Closings
When you can match more borrowers to the right loan and lean on an in-house team to get them there, you close more deals and earn more repeat business. That’s the difference here.