Mortgage Navigator

Start With Your Question

Mortgage guidelines are complicated. Your starting point shouldn't be. Tell the Navigator what you're trying to solve.

New: Scenario Engine

Think your mortgage situation is complicated?

Describe what makes it unusual. The new Scenario Engine connects plain-English problems to the right guides, calculators and questions—without requiring you to know the program first.

Can This Actually Be Done? Why Did My Lender Say No? Get a Second Opinion

Start with your actual question

You do not need to know whether the answer is FHA, conventional, DPA, or something else. Type the problem in plain English. Include multiple facts if they matter—the Navigator can surface more than one relevant path.

I was told I don't qualify I'm self-employed I need down-payment help I want to refinance My situation is unusual

What are you trying to figure out?

I was told I don't qualify

Find out whether the problem is a real agency rule, DU/LPA result, MI/product rule, or lender overlay.

My credit is the problem

Scores, thin credit, disputes, collections, bankruptcies, mortgage lates and AUS.

My income is complicated

Overtime, bonus, commission, RSUs, future employment, multiple jobs, leave and military income.

I'm self-employed

Tax returns, business liquidity, Schedule C, K-1, decline analysis and shorter history scenarios.

I own rentals or another home

Schedule E, departing residence, subject rental, ADUs, new investors and multiple properties.

My debts are hurting me

Student loans, leases, HELOCs, debts paid by others, business debt and debt payoff.

I have the money, but it's unusual

Retirement, business funds, crypto, gifts, earnest money and reserves.

I need down-payment help

Browse all 50 states, national programs and state-specific DPA guides.

The property is the problem

Appraisal, repairs, ADUs, mixed-use, solar, leasehold and property eligibility.

I'm buying a condo

Project review, reserves, insurance, repairs, litigation and special assessments.

I want to refinance or take cash out

Rate/term, cash-out, seasoning, delayed financing, second liens and title changes.

My situation is unusual

Family sales, trusts, LLCs, land contracts, inheritance, owner buyouts and agency exceptions.

Not sure which loan type applies?

That's normal. Start with the problem, not the product. The Navigator can point you into conventional, FHA, down-payment assistance, or another branch as the library grows.

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