Match on the loan, then verify the professional
Mortgage loan types, plain English.
The right loan officer often depends on the borrower scenario, not just the city. Start here, then search MLO Finder and verify current licensing through NMLS Consumer Access.
FHA
First-time buyers, lower down payments, more flexible credit.
VA
Veterans, active-duty service members, and eligible surviving spouses.
Conventional
Borrowers with stronger credit, stable income, and standard property types.
Jumbo
Higher loan amounts that exceed conforming limits.
ITIN
Borrowers who use an ITIN instead of a Social Security number.
Non-QM
Self-employed borrowers, bank-statement loans, DSCR, and non-traditional income.
USDA
Eligible rural and designated suburban borrowers.
DSCR
Real-estate investors qualifying primarily from rental property cash flow.