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Loan Program Index

your expert guide to residential loans

At AZ Loan Help, we don’t believe in gatekeeping your options; we believe in exposing them. The Loan Program Index is your full-access look behind the curtain of today’s mortgage and lending world. We’ve gathered the most comprehensive collection of loan programs from 144+ we are connected to (banks, credit unions, and wholesale lenders) so you can see exactly what’s possible. Whether you’re buying, refinancing, investing, or building, we make it clear which loan fits your goals; not just what’s easiest to sell.

Understanding Loan Programs

A loan program is more than just a mortgage option! It’s should be a tailored path to financing that fits your goals, income, and financial profile. When you see the Loan Program Index, you’re looking at a complete guide to every major residential home loan type, all in one place.  Instead of jumping from website to website or guessing which loan fits your situation, you can explore the entire range of possibilities right here.

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This page is designed to:

  • Define your choices clearly, from traditional Government-Backed loans like FHA, VA, USDA, and Conventional loans

  • Showcase advanced Non-QM Programs: such as Bank Statement, DSCR, Asset Depletion, and other alternative lending options

  • Highlight Specialty Programs: including Construction, Land, Bridge, Condotel, Down Payment Assistance (DPA), HELOC, ITIN / Foreign National, Medical Professional, Reverse, and Rural Living loans​

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At AZ Loan Help, we pull all these programs together under one transparent platform. Our goal? To save you time and stress by organizing every available program from our 144+ connected banks, credit unions, and wholesale lenders into one easy-to-navigate index.

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In short, this Loan Program Index is your roadmap to smarter financing — helping you understand your options so you can make confident, informed decisions backed by clarity, not confusion.

Ready to Explore Your Options?

No two borrowers are alike, and neither are their loan programs. Whether you fit neatly into a Conventional category or you’re exploring creative Non-QM or Specialty options, our Loan Program Index

Updated   10/24/2025

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  • Fixed-Rate Mortgages (10/15/20/25/30-year)

  • ARMs (5/6, 7/6, 10/6 SOFR)

  • High-Balance Conforming

  • Second Home & Investment Properties

  • Manufactured Homes

  • Warrantable Condo Financing

  • HomeOne® (FHLMC)

  • HomeReady® (FNMA)

  • Home Possible® (FHLMC)

  • 95–97% LTV First-Time Homebuyer Programs

  • 100% Gift Funds (eligibility varies)

  • Non-Occupant Co-Borrower allowed (program-specific)

  • Rate/Term & Cash-Out Refinances

  • cTemporary Buydowns (1-0, 2-1, 3-2-1)

  • Permanent Rate Buydown (points)

  • Extended Rate Locks / Lock & Shop / Extended Cap

  • Piggyback Combos (80-10-10, 80-15-5 with HELOC/HELOAN)

  • No-Score (Manual Underwrite) â€‹

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  • VA 100% Financing

  • VA High-Balance

  • VA Cash-Out Refinance

  • VA IRRRL (Streamline)

  • VA Manufactured Housing

  • VA Condo

  • VA Construction

  • VA Temporary Buydowns (1-0, 2-1, & 3-2-1)

  • VA No-Score 

USDA (Rural Development) Loan Programs

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  • USDA Guaranteed Purchase (0% down in eligible areas)

  • USDA Streamlined-Assist Refi

  • USDA Rate/Term & Cash-Out

  • USDA Construction

  • USDA No-Score

HUD Section 184

  • HUD 184 (Native American Home Loan)

  • Jumbo Fixed & ARM

  • Interest-Only Jumbo

  • High-Balance Jumbo

  • Super Jumbo (up to ~$23M)​

  • Bank Statement (Personal or Business; 12–24 months)

  • 1099-Only

  • P&L-Only

  • Asset Utilization / Asset Depletion

  • DSCR (1–4 units)

  • DSCR (Multi 5–9 units)

  • Interest-Only Non-QM (various terms; 40-year IO available)

  • 40-Year Term / 40-Year IO

  • ITIN Loans

  • Foreign National / Expat

  • Non-Warrantable Condo / Condotel 

  • No-Ratio / Reduced-Doc

  • Expanded DTI / Alternative Trade Lines

  • Recent Credit (short seasoning for BK/FC/SS/DIL)​​

  • DSCR (Debt Service Coverage Ratio)

  • DSCR Small Multi (5–8 units; portfolio)

  • 15% Down Investment Purchase

  • Loans to LLC/Entities

  • Self-Directed IRA Loan

  • Blanket Mortgages

  • Cross-Collateralization

  • Investment HELOC / HELOAN

  • Asset Depletion

  • P&L / Alt-Doc Investor

  • 40-Year Term & 40-Year IO​​

Specialty Loan Programs

No-Score Loans

  • No-Score – Conventional

  • No-Score – FHA

  • No-Score – VA

  • No-Score – USDA

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Powered by Xpert Home Lending, Inc. NMLS # 2179191

Hi, my name is Aaron Kerscher. I'm a Loan Specialist NMLS 1012304, Offering personalized mortgage solutions and easy-to-understand Loan Options. Fast customized quotes, great rates, & service with integrity.

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8767 East Vía de Ventura, Scottsdale, AZ 85258, USA

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AZ Loan Help - Powered by Xpert Home Lending, Inc. NMLS # 2179191   Aaron Kerscher NMLS # 1012304
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