Lending Programs
The Right Loan for
Every Situation.
We don't start with the product. We start with your goals, your financial picture, and your timeline - then match the program that serves your strategy best.
12
States Licensed
25+
Years Experience
1000s
Families Served
The Financial Planning Approach
We See the Whole Picture
Every professional in your corner is great at what they do. The problem is they rarely talk to each other. Your CPA doesn't call your lender. Your advisor doesn't coordinate with your realtor.
We sit in the middle and connect all of it. Not to replace anyone, but to make sure your mortgage strategy works with your entire financial picture, not just one piece of it.
Tap each icon to see how we work together.
The Katalyst
Team
We Help Here
Our Process
Six Steps to Mortgage Planning Success
This isn't a transaction. It's a relationship. Tap each step to see why it matters.
Step 01
Discovery
We learn your full picture.
Step 02
Strategy
We build your game plan.
Step 03
Pre-Close Review
We double-check everything.
Step 04
Debrief
We review the outcome.
Step 05
Annual Review
We check in every year.
Step 06
Referrals
The cycle continues.
Lending Programs
What Are You Looking to Do?
Every situation is different. Tell us where you're headed and we'll show you the programs that fit your strategy.
First-time or move-up buyer
From first-time buyers to luxury properties, we match the right loan structure to your financial strategy and timeline.
Conventional
Buyers with 5%+ down and 620+ credit score
The standard choice for borrowers with good credit and a down payment. Competitive rates, flexible terms (15, 20, or 30 years), and no mortgage insurance with 20% down.
Key Features
- As low as 3% down
- No upfront MI fees
- Primary, second home, or investment
FHA
First-time buyers or lower credit scores
Government-insured loans designed for accessibility. Lower credit requirements and down payment minimums make homeownership possible for more families.
Key Features
- 3.5% down with 580+ score
- Gift funds allowed for down payment
- Assumable by qualified buyers, subject to lender approval
VA
Veterans, active duty, and eligible spouses
Earned by those who served. Zero down payment, no PMI, and competitive rates. One of the strongest mortgage benefits available to eligible service members.
Key Features
- $0 down payment
- No monthly mortgage insurance
- Funding fee can be financed or waived
USDA
Buyers in qualifying rural/suburban areas
Zero down payment for eligible rural and suburban properties. Income-based qualification with favorable terms for families in qualifying areas.
Key Features
- $0 down payment
- Potentially below-market interest rates
- Reduced mortgage insurance
Jumbo
Homes above $766,550 (varies by county)
For loan amounts above conforming limits. Flexible financing for high-value properties with competitive rates and custom structures.
Key Features
- Loan amounts into the millions
- Interest-only options available
- Portfolio and bank statement qualifying
Down Payment Assistance
First-time buyers and low-to-moderate income
Grants, forgivable loans, and community programs that make homeownership accessible. We research available programs that may help reduce your out-of-pocket costs.
Key Features
- Grants up to 5% of purchase price
- Forgivable second mortgages
- Stacks with FHA, VA, and Conventional
Where We Lend
Coast to Coast Coverage
First home or investment portfolio, we're licensed where you need us.
Licensed in 12 states for conventional, FHA, VA, USDA, and jumbo loans
Not Sure Which Program Fits?
That's What the Financial Planning Approach is For.
We don't just pick a product off the shelf. We look at your full financial picture and work to find the right strategy for your goals. Let's talk.
