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DSCR Loans
DSCR loans are ideal for investors who qualify using rental income instead of personal income, with approval based on the property's cash flow.
LOAN PRODUCTS & OPTIONSLOAN PRODUCTS & OPTIONS
Standard Loan Products
Conventional Loan
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A Conventional loan isn't backed by the government like FHA, VA, or USDA loans. While it may require a higher down payment, it offers more flexibility and fewer restrictions.
FHA Loan
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Insured by the Federal Housing Administration, FHA loans have flexible guidelines, making it easier to qualify for buying or refinancing a home—especially for those who may not meet conventional loan requirements.
USDA Loan
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Backed by the USDA, this loan offers no down payment for eligible low- to moderate-income buyers in approved rural and suburban areas, making homeownership more accessible.
VA Loan
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Backed by the U.S. Department of Veterans Affairs, VA loans offer affordable home financing for eligible veterans, service members, and surviving spouses—helping them achieve homeownership with great benefits.
Refinance
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Refinancing replaces your current mortgage with a new one tailored to your goals—potentially lowering payments, saving money over time, and improving your financial outlook.
Renovation Loan
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A renovation loan lets you finance a home and its repairs in one loan—perfect for homes with potential that need a little work, saving you time and money.
Down Payment Assistance
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Fairway offers programs to help cover your down payment—ideal if you're short on savings or want to explore what assistance you may qualify for.
Physician Loan
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Designed for medical professionals, this loan accounts for challenges like student debt and frequent moves—offering flexible solutions tailored to your unique needs.
Adjustable-Rate Mortgage (ARM)
Tap for detailsAdjustable-Rate Mortgage (ARM)
An ARM starts with a fixed rate, then adjusts over time based on market changes—meaning your monthly payment may go up or down.
Reverse Mortgage
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For homeowners 62+, a reverse mortgage converts home equity into cash. It can eliminate monthly mortgage payments and support retirement goals.
Jumbo Loan
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A Jumbo loan lets you finance a home above standard loan limits set by the FHFA—ideal for higher-priced properties.
Fixed-Rate Loan
Tap for detailsFixed-Rate Loan
A fixed-rate loan means your interest rate stays the same for the life of the loan—no matter the loan type—providing stability and predictable monthly payments.
For Borrowers With Unique Profiles
Non-QM Loan Options
Flexible mortgage solutions for borrowers who don't fit the standard mold — self-employed, investors, and beyond.
Built for the
way you earn
Scroll through the options — each card stacks on top of the last, so you can compare loans built for self-employed borrowers, investors, and anyone whose income story is more than a W-2.
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Short-Term & Long-Term Rental Income Loans
Perfect for Airbnb, VRBO, or long-term rentals, these loans are based on projected rental income and offer flexible terms for property investors.
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Bank Statement Loans
Designed for self-employed or gig workers, these loans use 12 months of personal or business bank statements to qualify—no tax returns required.
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1099 Income Loans
Great for freelancers or independent contractors, this loan type is based on one year of 1099 income and doesn't require W-2s.
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Profit & Loss (P&L) Statement Loans
Borrowers can qualify using CPA-prepared or self-prepared profit and loss statements, making it a flexible option for self-employed applicants with limited documentation.
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Asset-Based Income Loans
These loans allow you to qualify using assets like bank, retirement, or investment accounts, ideal for high-net-worth individuals with limited verifiable income.
Who These Loans Are For
Self-Employed Borrowers
Real Estate Investors
Credit-Challenged Individuals
Foreign Nationals
High-Net-Worth Borrowers
Free Tools
Mortgage Calculators
Run the numbers before you make a move. Use our calculators to estimate payments, compare options, and plan with confidence.
DANNY TYROCH
Loan Officer · NMLS #1572223
- 817-269-9762
- tyrochteam@fairway.com
- 2445 Technology Forest Blvd, Suite 210, The Woodlands, TX 77381