Loan Programs
Loan programs for every type of borrower
Choose the mortgage path that fits your purchase or refinance—not a one-size denial letter. Vision One Mortgage, Inc. (NMLS #7861) offers FHA (including Fast 100 down payment assistance structures when eligible), VA, conventional, USDA, jumbo/high-balance, and Non-QM options for self-employed and investor borrowers. Compare programs below, then start a purchase application or call (949) 253-3480. Equal Housing Lender. Tustin, CA. Last reviewed September 2026.
Loan Programs
Conventional, government, jumbo, Non-QM and second mortgage options, all from one direct lender. Filter to see what fits your situation.
No programs match those filters
Every scenario is different. Tell us about yours and we'll find the right fit.
Submit Your ScenarioNon-QM Programs
For self-employed borrowers, investors and other buyers whose income doesn't fit standard guidelines.
DSCR
Qualify on the property's rental income instead of your personal income.
Learn More →Non-QM12/24 Month Bank Statement
Use personal or business bank deposits to document income.
Learn More →Non-QMP&L Only (1 or 2 Year)
Qualify with a profit & loss statement instead of tax returns.
Learn More →Non-QM1099 Income
For contractors and gig workers paid on 1099s.
Learn More →Non-QMWVOE Only
A written verification of employment in place of W-2s and pay stubs.
Learn More →Non-QMFull Doc Non-QM
Full documentation with more flexible credit and property guidelines.
Learn More →Non-QMAsset Utilization
Qualify based on liquid assets instead of income.
Learn More →Non-QMITIN
Home financing for borrowers with an ITIN rather than an SSN.
Learn More →Non-QMForeign National
For non-U.S. residents buying property in the U.S.
Learn More →Jumbo Programs
Financing above conforming loan limits for higher-priced homes.
Conventional Programs
Fannie Mae and Freddie Mac loans for primary residences, second homes and rentals.
Conventional Standard
The go-to option for borrowers with solid credit and documented income.
Learn More →ConventionalConventional High Balance
Conventional financing in higher-cost counties.
Learn More →ConventionalFannie Mae HomeReady
Low down payment option for eligible low-to-moderate income buyers.
Learn More →ConventionalFreddie Mac Home Possible
Low down payment option with flexible sources of funds.
Learn More →ConventionalFreddie Mac HomeOne
3% down for first-time homebuyers.
Learn More →Government Programs
FHA, VA and USDA loans with lower down payments and flexible credit.
FHA Standard
Low down payment and flexible credit requirements.
Learn More →GovernmentFHA High Balance
FHA financing in higher-cost counties.
Learn More →GovernmentFHA Streamline Refinance
Lower the rate on an existing FHA loan with less paperwork.
Learn More →GovernmentVA Standard
No down payment for eligible veterans and service members.
Learn More →GovernmentVA IRRRL
Streamlined rate reduction for existing VA loans.
Learn More →GovernmentUSDA
No down payment financing in eligible rural and suburban areas.
Learn More →Second Mortgage Programs
Tap your home equity without giving up your first mortgage rate.
Not sure which program fits?
Answer a few quick questions and a Vision One loan officer will match you with the right option.
Get StartedCall (949) 253-3480Vision One Mortgage, Inc. NMLS #7861. Equal Housing Lender. Not all applicants will qualify; programs, rates and terms are subject to credit approval, underwriting guidelines and change without notice.
Non-QM options when traditional guidelines dont fit
Self-employed, investor, or alternative documentation? Compare bank-statement, DSCR, asset-qualification, and related Non-QM paths. Education depth lives on nonqmrates.com; start your file with our Tustin desk.
ind Your Flexible Lending Solution We offer a full suite of products to help you achieve your homeownership or investment goals, including:
- Bank Statement Loans (for self-employed)
- DSCR Loans for Real Estate Investors
- Jumbo & Super Jumbo Loans
- Asset Qualification Programs
- Foreign National Mortgages
