Every Scenario. Verified.
Conventional, FHA, VA, USDA, jumbo, reverse mortgages, refinance — plus the specialty desks most local brokers don't run: DSCR, fix & flip, bridge, and small-balance multifamily. First home or tenth property, your file gets the same wholesale pricing either way.
Agency pricing for the file that fits.
Conforming Fannie Mae and Freddie Mac loans for buyers with documented income and a clean credit file. Your file gets priced against our wholesale lender pool — the rate sheets retail banks mark up before quoting you.
Low down payment. Lower-FICO friendly.
Government-backed financing for buyers whose credit or down payment doesn't quite clear Conventional. We run the math both ways — sometimes FHA wins on rate, sometimes Conventional wins on MI cost. You'll see both before you decide.
No down payment for the people who earned it.
VA-guaranteed financing for active-duty service members, veterans, and qualifying surviving spouses. No down payment, no monthly mortgage insurance, and a funding-fee waiver if you're rated disabled. We run VA files end-to-end.
No down payment outside the metro.
USDA Rural Development financing for buyers in eligible suburban and rural areas — which covers a lot more of the map than the name implies. Income limits apply, but if the address and the file both qualify, this is one of the best deals in housing.
Above the conforming limit. Below the bank's rate sheet.
Loan sizes above the county conforming limit, priced through portfolio lenders and non-QM jumbo desks rather than the single bank that pre-approved you. The pricing gap on a jumbo is often half a point or more.
Your equity works for you — while you stay home.
FHA-insured Home Equity Conversion Mortgages (HECM) and proprietary jumbo reverse programs for homeowners 62 and older. Convert equity into a line of credit, monthly draws, or a lump sum — with no monthly mortgage payment required. You keep title; property taxes, insurance, and upkeep remain your responsibility.
Tap your equity without touching your first mortgage.
A home equity line of credit lets you borrow against the equity you’ve already built — as a revolving line you draw from when you need it, not a lump sum — while leaving your existing first mortgage untouched. We place HELOCs through our wholesale lender partners and structure them around the home-equity rules that apply where your property sits, so you keep the low rate on your primary loan and only pay interest on what you actually use.
Commercial, SBA, and business-purpose capital.
Past residential and into commercial real estate? Verified Commercial Funding — our commercial-lending arm — structures SBA, bridge, construction, and business-purpose financing on the same wholesale model, with a 40+ lender network behind every deal.
Qualify on rent, not income.
DSCR (Debt Service Coverage Ratio) loans let the property's rental income do the talking. No W-2s, no tax returns, no employment verification. Ideal for self-employed investors and those scaling a rental portfolio.
From purchase to profit — fast.
Hard money and rehab financing structured around your renovation timeline. Close in days, not weeks. Draw schedules tied to construction progress so funds move when your project does.
Move fast on your next deal.
Bridge financing for time-sensitive acquisitions — when a deal can't wait for a traditional closing timeline. Use it to purchase, stabilize, or reposition an asset before transitioning to permanent financing.
Scale your portfolio.
Agency-alternative financing for 5–50 unit apartment buildings. DSCR-qualified programs available. We work with experienced operators and first-time multifamily buyers with strong single-family track records.
Send us the file. We'll tell you what program you actually qualify for.
No SSN, no credit pull. A licensed broker reviews the scenario and replies by the next business day.
Program features described above are general descriptions of loan programs offered by third-party lenders and are subject to change without notice. This is not an offer of credit or a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and program eligibility requirements. Not all applicants will qualify. Verified Home LLC is a mortgage broker, not a lender, and arranges loans with third-party providers. NMLS #2693996. Equal Housing Opportunity.