Home loans that help you reach your goals
Buying your first home? Want to get the most out of the one you already have? Whatever your goal, we’ll help find the right loan for you.
QM Loan Programs
Mainstream lending options with full income documentation, lower rates, and traditional guidelines.
Conventional Home Purchase Loan
Standard financing for buyers with stable income and good credit.
Conventional Refinance Loan
Lower your rate or payment with a full-doc refi.
Conventional Cash-Out Refinance
Tap into your equity for cash—great for debt payoff or investing.
FHA Home Purchase Loan
Buy a home with just 3.5% down, even with lower credit.
FHA Streamline Refinance
Fast refi for current FHA borrowers—no appraisal or income docs.
FHA Cash-Out Refinance
Refinance and receive cash from your equity.
FHA 203k Renovation Loan
Finance home purchase and repairs in a single loan.
FHA First-Time Buyer Loan
Ideal for new buyers seeking low down payment options.
VA Home Purchase Loan
No down payment for eligible veterans and service members.
VA IRRRL (Streamline Refinance)
Simplified refi for current VA borrowers—no appraisal required.
VA Cash-Out Refinance
Use equity for tuition, renovation, or debt consolidation.
VA Jumbo Loan
VA Jumbo Loan Use equity for tuition, renovation, or debt consolidation.
VA Renovation Loan
Finance home upgrades with your VA benefit.
USDA Home Loan
Zero-down loans for eligible rural and suburban buyers.
USDA Streamline Refinance
Refinance your USDA loan with minimal paperwork.
Jumbo Home Purchase Loan
Purchase high-value homes above conforming loan limits.
Jumbo Cash-Out Refinance
Access equity from luxury or high-end properties.
Jumbo Refinance Loan
Refinance a jumbo loan to a better rate or term.
Conventional Construction Loan
Finance your build with a one-time close conventional loan.
VA Construction Loan
Veterans can build a home with 0% down and VA benefits.
FHA Construction Loan
Build your home with just 3.5% down through FHA.
Jumbo Construction Loan
High-limit loan for building custom luxury homes.
Fannie Mae HomeStyle Renovation Loan
One loan to buy and renovate a property.
FHA 203k Streamline Loan
Simple solution for light renovations under $35K.
VA Renovation Loan
Update your home with improvements built into your VA loan.
Non-QM Loan Programs
Flexible loans that go beyond traditional W-2 or tax return requirements—ideal for self-employed, investors, and credit-challenged buyers.
Bank Statement Loan
Qualify using 12–24 months of business or personal deposits.
1099 Income Loan
Use your 1099s instead of W-2s or tax returns.
P&L Statement Loan
CPA-prepared income statements can qualify you.
Asset-Based Income Loan
Use your liquid assets instead of employment income.
CPA Letter Loan
Qualify based on a letter from your accountant verifying income.
FHA Home Purchase Loan
Buy a home with just 3.5% down, even with lower credit.
FHA Streamline Refinance
Fast refi for current FHA borrowers—no appraisal or income docs.
FHA Cash-Out Refinance
Refinance and receive cash from your equity.
FHA 203k Renovation Loan
Finance home purchase and repairs in a single loan.
FHA First-Time Buyer Loan
Ideal for new buyers seeking low down payment options.
VA Home Purchase Loan
No down payment for eligible veterans and service members.
VA IRRRL (Streamline Refinance)
Simplified refi for current VA borrowers—no appraisal required.
VA Cash-Out Refinance
Use equity for tuition, renovation, or debt consolidation.
VA Jumbo Loan
VA Jumbo Loan Use equity for tuition, renovation, or debt consolidation.
VA Renovation Loan
Finance home upgrades with your VA benefit.
USDA Home Loan
Zero-down loans for eligible rural and suburban buyers.
USDA Streamline Refinance
Refinance your USDA loan with minimal paperwork.
Jumbo Home Purchase Loan
Purchase high-value homes above conforming loan limits.
Jumbo Cash-Out Refinance
Access equity from luxury or high-end properties.
Jumbo Refinance Loan
Refinance a jumbo loan to a better rate or term.
Conventional Construction Loan
Finance your build with a one-time close conventional loan.
VA Construction Loan
Veterans can build a home with 0% down and VA benefits.
FHA Construction Loan
Build your home with just 3.5% down through FHA.
Jumbo Construction Loan
High-limit loan for building custom luxury homes.
Fannie Mae HomeStyle Renovation Loan
One loan to buy and renovate a property.
FHA 203k Streamline Loan
Simple solution for light renovations under $35K.
VA Renovation Loan
Update your home with improvements built into your VA loan.
Non-Warrantable Condo Loan
For condos that don’t meet agency guidelines.
Condotel Financing
Purchase or refi units in hotel-managed properties.
Resort Condo Loan
Financing for vacation units in high-tourism zones.
Interest-Only Loan
Lower payments for high-income, high-reserve borrowers.
Bank Statement Jumbo Loan
Use deposits to buy high-end homes without tax returns.
Second Home DSCR Loan
For investors using income from vacation rentals.
Which Loan Is Right for You?
Explore smarter financing options designed for your life, your goals, and your next step.
Are you sure you’re getting the best loan for your situation?
Do you know which programs offer discounts, grants, or low down payments?
Would you feel confident comparing a bank offer vs. broker offer—side-by-side?
Most people don’t. And that’s where we come in.
At Stairway Mortgage, we believe your mortgage should fit your future—not just your finances.
That’s why we don’t just quote rates. We ask the right questions, uncover hidden programs, and guide you through the loan landscape like a trusted advisor.Because truth is: There are dozens of loan types, each with benefits, limitations, and ideal use cases. But most banks only offer one—or steer you into what’s easiest for them. We compare hundreds of lenders, help you structure your file strategically, and match you with a loan that fits your goals—not just today, but years from now.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
Alexis Kulick - via Faceook
Easy and quick refinance with great rates and expert advice.
I recently refinanced my existing mortgage with Jim and his team, and I was so pleased with how easy and quick the whole process was. Jim and his team were very responsive to my questions, and I feel confident that I got the best rate and shaved 9 years off my mortgage. He is very knowledgeable and helped me determine the best option for myself and my family. Definitely recommend him.
Julian Einfrank - via Facebook
Complex loan scenario handled with expertise and care.
The process went smoothly. Jim Blackburn is a lending saint. He knows the market well and cares about his clients tremendously. The team made it really easy to do business, uploading documents and getting forms signed. Our situation is a bit complex. Rather than turn us away for some added work, they dug in to get it done right. They like the complexity, whereas other lenders don’t want to roll up their sleeves. Highly recommend Jim Blackburn for new loans and refinances!
Elizabeth Torres - via Facebook
Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.
David Livermore - via Google
Secured financing despite market challenges and self-employment.
Run, don't walk to work with Jim and his team. Jim helped us get financing when it seemed like an impossible feat. It was hard enough to be managing a home purchase 2000 miles away, but add to that an extremely competitive market and being self-employed, and it seemed impossible until Jim's team got involved. Jim was not only responsive; he consistently went above and beyond by making clear recommendations, working his magic, and ensuring that financing wasn’t a barrier for buying our dream house in one of the most competitive markets in the country.
Christina Curva Carrasco - via Facebook
Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.
Discover the Goals That Drive Your Financial Journey
Smart lending decisions start with clarity — not just about the loan itself, but about the life you’re building with it.
This quiz helps match your financing strategy to your long-term vision — whether you’re buying, building, investing, or refinancing. Take 2 minutes to clarify your goals so we can guide you toward the loan programs that make the most sense for your journey.
