Every borrower is different. Your loan should be, too.
There is no single “best mortgage” — there’s the mortgage that fits your income, your credit, your down payment, your property, and your plans. As a broker with Loan Factory, I have access to a wide menu of programs through 240+ lenders, including many that a single bank simply doesn’t offer.
Below is the full lineup. Each program page explains, in plain English, who the loan is for, how it works, what it costs, and what to watch for. Not sure where you fit? That’s normal — most borrowers don’t. Start with the quick-quote form or call me at (502) 233-4197, describe your situation in two minutes, and I’ll point you to the two or three programs worth comparing.
Core loans: Conventional · Fixed Rate · Adjustable-Rate (ARM) · FHA · VA · USDA · Jumbo · HomeReady / Home Possible · Interest Only
Flexible-income & specialty loans: Bank Statement · Self-Employed (ITIN / 1099 / P&L) · DSCR (investor) · Asset-Qualifier · Foreign National · Down Payment Assistance
Equity & refinance programs: HELOC · Reverse Mortgage (HECM) · Rate-and-Term Refinance · Cash-Out Refinance · FHA Streamline · VA IRRRL · USDA Streamlined Assist
All programs are subject to credit and property approval, lender guidelines, and availability in GA, IN, KY, and TN. Program details below are general education, not a quote or a commitment to lend.