Listen
Start with the purchase, refinance or property objective and the borrower’s priorities.
Mortgage Loan Direct
More program knowledge. More useful mortgage conversations.
Mortgage Loan Direct helps buyers and homeowners compare residential financing options—from physician mortgages and first-time buyer programs to FHA, VA, conventional and refinance solutions.
What to know
A mortgage company should explain the options—not hide them.
Our role is to learn the borrower and property scenario, identify relevant program categories, explain the important tradeoffs and help move a complete application through the loan process.
A practical path forward
Four steps from question to financing decision.
Compare
Review relevant program requirements, estimated cash, mortgage insurance and payment structure.
Document
Organize the information required for the application and underwriting review.
Communicate
Keep the borrower informed through the remaining loan and closing milestones.
Explore the options
Continue with a specific mortgage program.
Loan optionPhysician mortgagesSelect programs may offer up to 100% LTV, no monthly PMI and alternative treatment of qualifying student debt.↗
Loan optionFHA + assistanceCombine FHA financing with an eligible state, local or approved down payment assistance program.↗
Loan optionVA home loansEligible veterans, service members and surviving spouses may qualify for 100% financing with no monthly PMI.↗
Loan optionConventional loansCompare low-down-payment, mortgage-insurance and property options for qualified borrowers.↗
Ready for a real comparison?
Start your mortgage pre-approval.
Share the borrower and property scenario so the relevant programs can be reviewed.
Program availability, terms and eligibility requirements vary by lender, borrower, property and location. This information is for educational purposes and is not a commitment to lend.