Loan Programs
Fourteen programs. One lender panel.
Every program below runs through the same wholesale lender panel and the same operations team — so a Non-QM or portfolio deal doesn't mean sending your borrower somewhere else.
Full Suite of Products
Nothing but quality, in every layer.
Grouped by category, with the guideline that matters most for each — one panel, one point of contact for your borrower: you.
Conforming & Government Layer 01
5 ProgramsConforming
Full-documentation financing eligible for sale to Fannie Mae and Freddie Mac, with pricing tied to conforming loan limits.
FHA
FHA-insured financing with flexible credit and income guidelines, built for first-time and lower-down-payment buyers.
VA
VA-guaranteed financing for eligible veterans, active-duty service members, and surviving spouses, with no down payment required.
USDA
USDA-guaranteed financing for eligible rural and suburban properties, with no down payment required for qualified borrowers.
Jumbo & Super Jumbo
High-balance purchase and refinance financing for loan amounts above conforming limits, up to $5M+ for qualified borrowers.
Non-QM Layer 02
6 ProgramsDSCR Investment
Qualify off property cash flow — no personal income documentation required. Built for buy-and-hold and short-term rental investors.
Bank Statement
12–24 months of business or personal bank statements used to calculate qualifying income, with flexible expense-ratio options.
P&L Only
Qualify using a CPA, EA, or tax-preparer-signed profit and loss statement — no bank statements or tax returns required.
1099 Only
Income calculated from 12–24 months of 1099 forms for gig-economy, commission, and contract-based borrowers.
Asset Utilization
Turn liquid assets — checking, savings, brokerage accounts — into qualifying income without traditional employment verification.
Foreign National
Financing for non-resident borrowers investing in U.S. real estate — no U.S. credit history or SSN required.
Portfolio & Specialty Layer 03
3 ProgramsFix & Flip
Purchase and renovation capital for investors rehabbing single-family and small multi-family properties for resale.
Hard Money / Bridge
Fast, asset-based capital for time-sensitive purchases, rehabs, and bridge scenarios where speed matters more than documentation.
Reverse Mortgage
HECM and proprietary reverse financing that converts home equity into cash flow for qualifying borrowers, with no monthly mortgage payment required.
At a Glance
How the three groups compare.
| Category | Documentation | Underwrite Speed | Best For |
|---|---|---|---|
| Conforming & Gov't | Full income & asset documentation | Standard | W-2 borrowers, agency guidelines |
| Non-QM | Bank statements, DSCR, or alternative | Standard to fast | Self-employed, investors, foreign nationals |
| Portfolio & Specialty | Deal-specific, asset-based | Fast, deal-dependent | Bridge, rehab, reverse, and non-conforming deals |
Why It Matters
Fewer referrals out. More of the file stays yours.
Most originators lose deals not because they can't compete on rate, but because the borrower's file doesn't fit the one program they have access to. A wider panel means fewer of those conversations end with "here's someone else you should call."
Every program on this page runs through the same lender panel, the same operations team, and the same compensation structure — so adding a Non-QM or portfolio deal to your pipeline doesn't mean learning a new process.
Not Sure Which Program Fits?
Send us the scenario.
Give Rockstone the borrower profile and we'll match it to the right program on the panel — usually same day.