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 Loans FHA Loans VA Loans USDA Loans Jumbo Loans Construction Loans Renovation Loans

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

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.
Alternative Income Loans Investor Loans VA Loans USDA Loans Jumbo Loans Construction Loans Renovation Loans Non-Warrantable Condo Loans Other Specialized Non-QM Loans

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

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

Marvin Feliz

Jim's team provided peace of mind and great rates in Miami's tough market. Highly recommended!

The experience I had with Jim's team was great. They were always available to help and communicative throughout the entire home-buying process. They worked efficiently to ensure no time was wasted, especially in such a tough market like Miami. They were able to offer me a great rate and provide peace of mind through their transparency. I’d definitely recommend Jim and his team. A huge “Thank You” to them!

Marvin Feliz - via Google

General Manager at Beacon Mobility
FLORIDA
Bridgette Delva

Investor-friendly lender with deep knowledge and responsive team

We had the pleasure of working with Jim and his team to close on a primary home in Florida. We found Jim through an investor network and he is extremely knowledgeable in options available to investors as well. Jim and his team were extremely responsive, informative, and accessible. They explained the options thoroughly, which allowed us to choose the best product for our needs. Jim and his team have earned each of the 5-star reviews they have and I'd happily recommend them and gladly use them again!

Bridgette Delva - via Facebook

Vice President of Innovation at hims & hers
FLORIDA
Chris Currie

Felt Like Family Buying First Home

Jim Blackburn and team were very helpful and educated in helping us get our first home. All of our questions were awnsered. When speaking on the phone Jim was friendly to the point he felt like family. I couldn't have asked for a better team then Jim & Olga Blackburn. Thanks guys for getting us into our first home and explaining things over and over to us until we understood. You guys are great!

Chris Currie - via Facebook

Engineer at Synergy Prototype Stamping LLC
MICHIGAN