You don't have to arrive knowing the name of your loan. Start with your goals, and we'll help you understand the options worth discussing.
Talk through your options ↗
A familiar starting point
Conventional mortgages are not insured or guaranteed by a federal agency. Down payment, credit, mortgage insurance, and loan-limit requirements depend on the product and borrower profile.
Explore buying a home →Another path to explore
FHA-insured mortgages have program-specific credit, down payment, property, and mortgage insurance requirements. An FHA loan is made by a lender and insured by the Federal Housing Administration.
Explore FHA financing →For eligible service members
VA-backed financing may be available to eligible veterans, service members, and certain surviving spouses. Eligibility, entitlement, property requirements, and any funding fee need individual review.
Talk about VA financing →Location makes a difference
USDA-backed home financing includes income and eligible-area requirements, along with borrower and property guidelines. A property's location and household circumstances help determine whether it is worth exploring.
Explore USDA financing →Financing beyond conforming limits
Jumbo loans generally exceed the applicable conforming loan limit. Credit, reserves, down payment, pricing, and documentation vary by lender and loan product.
Explore jumbo financing →Bring the home, land, and site work together
Explore one-time-close financing for eligible manufactured-home projects through FHA, VA, or USDA programs. Borrower, property, construction, and lender requirements apply; availability varies by program and location.
Explore home & land financing →A different way to document your financial picture
Explore bank statement, DSCR, and asset qualification programs for business owners, real estate investors, and borrowers with nontraditional income. Credit, documentation, down payment, and reserve requirements vary by lender and program.
Explore Non-QM options →Revisit your current mortgage
A refinance replaces an existing loan. Discuss a change in term or other goals, or explore cash-out options. Closing costs and the time you expect to keep the loan matter when comparing the numbers.
Explore refinancing →Discuss cash-out options →Own a business? Invest in real estate? Have substantial assets? Let's explore a different way to document your financial picture.
Tell us how your business earns income so we can discuss documentation paths worth exploring.
Discuss My Business Income →Call Andy · (504) 279-5626If you own a business, you know your tax return doesn't always tell the whole story. Before assuming a mortgage won't work, let's talk about how you earn your income and what you're trying to accomplish. Depending on your situation, there may be other ways to document income. I'm Andy Hunt Junior. Tell us a little about your business so we can have a useful conversation.
Closing card: Let’s talk about your business. Discuss My Business Income. Or call Andy: (504) 279-5626.
AI-generated presenter using Andy’s likeness and voice. Andy Hunt Jr. · Branch Manager · NMLS #148241. Educational information; program requirements and lender approval apply.
Select CDFI lending programs offer primary-residence financing without income or employment verification. We broker these specialty options through participating lenders.
Qualification still includes a review of credit, down payment or equity, eligible assets and reserves, and the property. Ask Andy which program fits your situation.
Ask about owner-occupied options ↗For business owners and self-employed borrowers, qualifying income may be evaluated using eligible bank statements instead of traditional income documentation.
Debt service coverage ratio programs evaluate an investment property's rental income relative to its debt payments. The property and program guidelines help determine eligibility.
Asset qualifier programs may offer another way to demonstrate repayment ability using eligible assets. Andy can help you understand which assets and documentation a program considers.
Tell Andy what you're working on. We'll talk through the options worth exploring.
Non-QM means non-qualified mortgage. These programs have their own credit, documentation, down payment, reserve, and property requirements. Availability and terms vary; all loans are subject to underwriting approval.
Purchase price, expected rent, taxes, insurance, and your property plan help us prepare for an investment financing conversation.
Discuss My Investment Property →Call Andy · (504) 279-5626Looking at an investment property? Bring the purchase price, expected rent, property taxes, insurance, and your plan for the property. Those details help us have a useful financing conversation. Some investment programs consider the property's rental cash flow, but down payment, credit, reserves, and lender requirements still matter. I'm Andy Hunt Junior. Let's discuss the property and the numbers before you decide your next move.
Closing card: Bring the property. Let’s talk numbers. Discuss My Investment Property. Or call Andy: (504) 279-5626.
AI-generated presenter using Andy’s likeness and voice. Andy Hunt Jr. · Branch Manager · NMLS #148241. Educational information; program requirements and lender approval apply.
Explore FHA, VA, and USDA one-time-close financing for an eligible manufactured home. A single construction-to-permanent closing can bring the home, eligible land purchase, and approved site improvements into one transaction.
Borrower, property, foundation, builder or retailer, and project requirements apply. VA eligibility and USDA income and location rules apply where relevant. Availability varies by lender, program, and state; subject to underwriting approval.
Already own land? Let's discuss how it fits.
Look beyond the home price: land, foundation, utilities, and site work belong in the project plan.
Plan My Home & Land →Call Andy · (504) 279-5626With a manufactured home, the home price is only part of the picture. Land, foundation, utilities, and site work can change the total project cost. Tell us whether you already own land and whether you've chosen a home. We can discuss eligible financing paths, including one-time-close options where available. I'm Andy Hunt Junior. Let's look at the whole project before you commit.
Closing card: Let’s plan the whole project. Plan My Home & Land. Or call Andy: (504) 279-5626.
AI-generated presenter using Andy’s likeness and voice. Andy Hunt Jr. · Branch Manager · NMLS #148241. Educational information; program requirements and lender approval apply.
A fixed interest rate and a longer repayment schedule can spread principal and interest over more payments. Compared with a shorter term on the same amount and rate, the monthly principal-and-interest payment is lower and total interest is higher.
Explore a 30-year fixed loan →A shorter repayment schedule pays the balance down faster. On the same amount and rate, principal-and-interest payments are higher than a 30-year term, while total interest is lower. Taxes, insurance, and other charges can still change.
Explore a 15-year fixed loan →No need to choose a program today. A conversation can help you decide what to explore next.
Find my strategy → Explore preapproval →These are general descriptions, not a determination of eligibility or a commitment to lend. Availability, requirements, and terms vary and are subject to underwriting review.
Start a conversation about renovation, adjustable-rate, or reverse mortgage options. Availability and eligibility require review.
Explore answers for first-time buyers, business owners, investors, and manufactured-home buyers.
Explore Mortgage FAQs →