VA loans
For eligible veterans, service members, and surviving spouses. Zero-down financing may be available, with specific entitlement, occupancy, appraisal, and funding-fee rules.
Talk through the fit →A broad lending shelf
The right loan is the one that fits the plan.
Powered by My Community Mortgage, Anchor combines local ownership with a national-scale wholesale platform. That gives us access to nearly every major residential loan category, including physician loans and programs built for files that do not fit the standard box.
A program name is not a recommendation. Program availability and guidelines vary by lender, borrower, property, and location. We compare the payment, cash, risk, timing, and tradeoffs before choosing the structure.
Conventional loans
A broad family of options for primary homes, second homes, and investment properties. Down payment, mortgage insurance, and approval requirements depend on the file.
Talk through the fit →FHA loans
Government-insured financing that can provide a useful path when credit, down payment, or debt-to-income needs a different structure.
Talk through the fit →USDA loans
Potential zero-down financing for eligible properties and households in qualifying rural areas, subject to income and location limits.
Talk through the fit →Physician loans
Specialty mortgage programs for eligible physicians and other medical professionals. Program availability, qualifying professions, down payment, reserves, and student-debt treatment vary by lender.
Talk through the fit →Manual underwriting
Human underwriting paths for eligible borrowers with no credit score, thin credit, or a file an automated system did not resolve. Every file must still meet program and lender guidelines.
Talk through the fit →LGBTQ+ homebuyer resource
The same lending shelf and pricing standards, with guidance from an openly gay-owned Norfolk mortgage practice where nobody has to read the room before asking a question.
Talk through the fit →Jumbo loans
Financing above standard conforming limits, with lender-specific requirements for income, assets, reserves, credit, and property type.
Talk through the fit →Self-employed and Non-QM
Bank-statement, asset-based, 1099, profit-and-loss, and other alternative-documentation programs may help when tax-return income does not tell the whole story.
Talk through the fit →Investor loans
DSCR and other investor programs can qualify primarily around the property and investment plan, subject to lender, property, liquidity, and experience requirements.
Talk through the fit →Renovation and construction
Options may be available to finance a purchase plus improvements, a major renovation, or construction of a new home in one coordinated plan.
Talk through the fit →Home equity and second liens
HELOC, fixed second mortgage, and other equity options can be compared against a cash-out refinance so you can see the cost and payment tradeoffs.
Talk through the fit →Reverse mortgages
For eligible older homeowners, reverse mortgage options may turn part of the home's equity into a flexible planning tool without requiring a traditional monthly principal-and-interest payment.
Talk through the fit →Refinance
Rate-and-term, cash-out, VA IRRRL, and FHA streamline options should be measured against cost, break-even timing, and the reason for changing the loan.
Talk through the fit →