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—competitive rates for qualified borrowers with traditional W-2 documentation.
Conventional Cash-Out Refinance
Tap into your home equity for cash—ideal for debt consolidation, home improvements, or investment opportunities while refinancing your existing mortgage.
Conventional Refinance Loan
Lower your rate or payment with a full-documentation refinance—check savings and breakeven with competitive conventional rates.
FHA Home Purchase Loan
Government-backed financing for first-time buyers and those with lower credit scores—flexible qualification standards and competitive terms.
FHA Cash-Out Refinance
Access your home equity with FHA financing—great for debt payoff or investing while maintaining FHA’s flexible credit requirements.
FHA Refinance Loan
Refinance into FHA financing with flexible credit standards—lower your rate or payment while maintaining FHA benefits.
FHA Streamline Refinance
Fast-track refinance for existing FHA borrowers—minimal documentation and no appraisal required to lower your rate or payment.
Down Payment Assistance
Programs that provide grants or forgivable loans to help cover your down payment and closing costs—making homeownership more accessible.
Section 184 Loan
Financing specifically for Native Americans purchasing homes on tribal land or within designated areas—flexible qualification standards.
Section 184 Cash-Out Refinance
Access equity from your tribal land property—tap cash while maintaining Section 184 financing benefits.
Section 184 Refinance
Refinance your tribal land mortgage—lower your rate while keeping Section 184 loan advantages.
VA IRRRL (Interest Rate Reduction Refinance Loan)
Streamlined refinance exclusively for VA borrowers—lower your rate with minimal documentation and no appraisal required.
VA Home Purchase Loan
Zero down payment financing for eligible veterans, active military, and qualifying spouses—competitive rates with no monthly mortgage insurance.
VA Cash-Out Refinance
Access your home equity while leveraging VA loan benefits—tap cash for any purpose with competitive rates and no PMI.
VA Refinance Loan
Refinance into VA financing to lower your rate or payment—leverage military benefits for improved mortgage terms.
VA Renovation Loan
Finance home upgrades with your VA benefit.
USDA Home Purchase Loan
Zero down payment financing for eligible rural and suburban properties—income limits apply but offer competitive rates for qualifying buyers.
USDA Cash-Out Refinance
Tap into your home equity while maintaining USDA financing benefits—access cash for improvements, debt payoff, or other needs.
USDA Refinance Loan
Refinance your existing mortgage with USDA financing—lower your rate while maintaining rural property loan benefits.
Reverse Mortgage (HECM)
Convert home equity into cash without monthly payments for homeowners 62+—remain in your home while accessing funds for retirement.
Reverse Mortgage Cash-Out Refinance
Refinance your existing mortgage into a reverse mortgage—eliminate monthly payments while accessing additional equity.
Reverse Mortgage for Income
Structure your reverse mortgage as monthly income payments—create consistent cash flow to supplement retirement income.
Reverse Mortgage Refinance
Refinance your existing reverse mortgage to access additional equity or improve terms—maximize your home equity benefits.
Conventional Construction Loan
Finance the purchase of land and construction of your new home in one loan—competitive rates for qualified borrowers building custom properties.
VA Construction Loan
Build your dream home with zero down payment using VA benefits—finance land purchase and construction with competitive military financing.
FHA Construction Loan
Build a new home with FHA’s flexible credit requirements—ideal for first-time builders with lower credit scores or smaller savings.
USDA Construction Loan
Build a new home in eligible rural areas with zero down payment—combine land purchase and construction financing with USDA benefits.
Home Improvement Loan
Finance renovations without refinancing your first mortgage—ideal for funding upgrades while preserving your existing low rate.
HomeStyle Renovation Loan
Purchase or refinance a home and finance renovations in one conventional loan—up to the renovated value of the property.
HomeStyle Renovation Refinance
Refinance and include renovation costs in one loan—improve your home while potentially lowering your rate.
FHA 203(k) Loann
Purchase or refinance a fixer-upper with FHA financing that includes renovation costs—flexible credit requirements for buyers improving distressed properties.
VA Renovation Loan
Purchase or refinance with renovations included using VA benefits—improve your home with zero down payment financing.
USDA Renovation Loan
Finance a rural property purchase or refinance with renovation costs included—zero down payment for eligible buyers improving USDA-eligible homes.
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.
1099 Loan
Qualify using gross 1099 income before business deductions—ideal for self-employed buyers with strong cash flow but tax write-offs.
Bank Statement Loan
Qualify using 12-24 months of bank deposits instead of tax returns—perfect for business owners with significant write-offs masking true income.
No Doc Loan
Purchase or refinance with minimal income documentation—qualify based on credit, assets, and property value rather than traditional income verification.
P&L Mortgage
Qualify using CPA-prepared profit and loss statements instead of tax returns—designed for self-employed borrowers with organized financial documentation.
Asset-Based Loan
Qualify using your investment portfolio, retirement accounts, or liquid assets instead of income—ideal for retirees or high-net-worth individuals.
DSCR Loan
Qualify for rental property financing based solely on the property’s rental income—no personal income documentation required for investors.
Fix and Flip Loan
Short-term financing for investors purchasing, renovating, and reselling properties—covers acquisition and rehab costs with quick closings.
Hard Money Loan
Fast asset-based financing for investors needing quick closings—ideal for time-sensitive deals or properties needing major work.
Mixed-Use Property Loan
Finance properties with both residential and commercial space—flexible programs for investors purchasing buildings with retail or office units.
Jumbo Loan
High-balance financing exceeding conforming loan limits—competitive rates for borrowers purchasing luxury homes or properties in high-cost areas.
Jumbo Cash-Out Refinance
Access substantial equity from high-value properties—refinance and tap cash from luxury homes exceeding conforming loan limits.
Jumbo Refinance Loan
Refinance high-balance mortgages to lower your rate or payment—competitive rates for luxury properties and high-cost areas.
Non-Warrantable Condo Loan
Finance condos that don’t meet agency guidelines—including buildings with commercial space, litigation, high investor concentration, or incomplete construction.
Condotel Loan
Financing for condo-hotel units that offer rental programs and hotel-like amenities—specialized programs for properties with short-term rental management.
Resort Condo Loan
Finance vacation condos in resort destinations—specialized programs for seasonal properties in high-tourism areas.
Jumbo Construction Loan
High-balance construction financing exceeding conforming limits—build luxury custom homes with competitive jumbo rates.
Build-to-Sell Loan
Short-term financing for builders constructing homes for resale—covers land acquisition, construction costs, and holding period until sale.
Build-to-Rent Loan
Construction financing for builders developing rental properties—fund ground-up construction of single-family or multifamily rental portfolios.
HELOC (Home Equity Line of Credit)
Revolving line of credit secured by your home equity—access funds as needed while preserving your first mortgage rate.
Home Equity Loan
Fixed-rate second mortgage based on your home equity—lump sum funding without disturbing your low first mortgage rate.
Bridge Loan
Short-term financing to purchase a new home before selling your current one—avoid contingent offers and strengthen your buying position.
Foreign National Loan
Purchase or refinance U.S. property without a Social Security number or U.S. credit history—designed for international buyers and non-resident investors.
ITIN Loan
Mortgage financing for borrowers using an Individual Taxpayer Identification Number—ideal for non-citizens building credit and purchasing homes in the U.S.
Which Loan Is Right for You?
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?
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. 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
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.
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!
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.
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.
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.