Most popular at Aspire
20 loan options. Most people need one of four.
Here’s the shortcut. Are you buying a home to live in, or buying one to make money? That one answer cuts the list below down to two. Tap through the card and we’ll point you to yours.
Which loan fits you?
What’s the home for?
Have you served?
Veteran, active duty, Guard or Reserve, or a surviving spouse.
What’s the plan for it?
Buying a home to live in
Get in the door with less cash up front.
The 20%-down rule is a myth for most buyers. These two loans are how people buy years sooner.
Stop saving for 20%.
A government-insured loan built for buyers who have steady income but not a giant down payment. First home or fifth, it doesn’t matter.
- 3.5% down with a credit score of 580 or higher
- Gift money from family can cover the down payment
- Score still being built? 500–579 can qualify with 10% down
Angela Chappell
Loan Officer · NMLS #295907
The home loan you already earned.
Backed by the VA, so eligible buyers can skip the down payment and the monthly mortgage insurance. Already own with a VA loan? It can refinance, too.
- $0 down for eligible buyers
- No monthly mortgage insurance, ever
- Have a VA loan already? An IRRRL refinance can lower your rate with less paperwork
A one-time VA funding fee may apply. It’s waived for veterans who receive VA disability compensation.
Neil Galas, Founder · NMLS #2023721
Oscar Barrera Jr, Loan Officer · NMLS #2591973
Investing in rentals and flips
Grow the portfolio. Skip the tax returns.
Featured Lender on BiggerPocketsLending to investors in 35 states + DC.
Let the rent qualify you.
For buy-and-hold rentals. We look at what the property earns, not your W-2s, so write-offs don’t cost you the next door.
- No tax returns. The property’s rent does the qualifying
- 30-year fixed, up to 80% LTV
- Close in your LLC
Dalton Daeges
Investment Loan Specialist
Own one rental? Let’s fund the next flip.
Short-term money for the purchase and the rehab, paid out as the work gets done. Built for investors who already have a property or two.
- Typically 10–20% down of purchase + rehab
- Interest-only payments, typically 6–18 month terms
- Rehab funds released in draws as work is finished
Typical terms, not a quote. Most borrowers have a credit score around 650 or higher.
Neil Galas, Founder · NMLS #2023721
Oscar Barrera Jr, Loan Officer · NMLS #2591973
From our Google reviews
Buyers and investors, same team.
Whichever loan you pick, you work with the same small team in every step, from the first question to the closing table.
“We have closed multiple finances and refinances with Neil… Neil has access to multiple lenders and loan products that work the best for you and your property.”
“With his experience in the lending industry, and his patience in helping us understand our options, it was an easy decision and a great fit for us.”
“Neil and his team are extremely knowledgeable, hard workers, and fantastic with customer service! Any issue that arises is quickly addressed and overcome!”
Still not sure which one? You don’t have to be.
Answer a few quick questions at the bottom of this page. We’ll look at your goals and reach out with the options that fit, including any of the 20 loans below.
Get started today!
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
