Conventional Loan
A mortgage not insured or guaranteed by a government agency. Options may be available for primary homes, second homes and investment properties, subject to lender requirements.
BLAZE HOME LOANS · COMPANY NMLS #2235818
More ways to
finance your next move.
Blaze Home Loans is an independent mortgage brokerage. We work with multiple wholesale lenders, giving you access to a wide range of loan programs through one team. We help you compare options for buying, refinancing or investing. Program availability and eligibility vary by lender, borrower and property.
These groups help you explore options. A program name alone does not establish Qualified Mortgage status; classification depends on the loan’s purpose, terms and applicable rules. Availability and eligibility must be confirmed with a Blaze loan officer.
01
COMMON HOME FINANCING PROGRAMS
Qualified Mortgages
FHA Loan
FHA-insured financing for eligible borrowers buying or refinancing a primary home. Credit, property and other requirements apply, along with mortgage insurance.
VA Loan
VA-backed financing for eligible veterans, service members and surviving spouses. A Certificate of Eligibility and lender approval are required. A VA funding fee may apply unless exempt.
USDA Loan
USDA-guaranteed financing for eligible primary homes in qualifying rural areas. Household income, property eligibility and lender requirements apply; program fees may apply.
- Jumbo & high-balance loans
- Fannie Mae (FNMA) loans
- Fixed-rate mortgages
- Adjustable-rate mortgages (ARMs)
- First-time home buyer programs
- Home purchase loans
- Rate-and-term refinances
- Cash-out refinances
- Second-home financing
- Manufactured-home financing
- One-close construction loans
Programs and features listed here may be structured as Qualified Mortgages when applicable requirements are met. Construction-only loans and certain other transactions have different rules. Government-insured or guaranteed programs have their own requirements.
02
ALTERNATIVE DOCUMENTATION & STRUCTURES
Non-QM Loans
Bank Statement Loan
An alternative-documentation mortgage that may use bank statements to evaluate qualifying income, often for self-employed borrowers. Credit, assets and income are still evaluated; lender requirements vary.
- Self-employed 1099 loans
- Alternative-documentation loans
- Interest-only loans
- Expanded-credit programs
Non-QM means a loan does not meet the applicable Qualified Mortgage definition. It does not mean automatic approval or no income verification. Ability-to-repay requirements apply to covered consumer mortgages, and pricing or documentation may differ from other programs.
Home equity & reverse mortgage options
HELOCs and HECMs are listed separately here because they are outside the standard federal ATR/QM framework; they are not classified as Non-QM solely for that reason.
HELOC
A home equity line of credit lets qualified homeowners borrow against their equity. Rates are often variable, so payments can change. Your home secures the debt and can be lost if you do not repay.
HECM (Reverse Mortgage)
An FHA-insured reverse mortgage for eligible homeowners age 62 or older to access home equity. HUD-approved counseling is required. Interest and fees increase the loan balance. Borrowers must maintain the home, pay taxes and insurance, and meet occupancy requirements. The loan generally becomes due when the last borrower dies, sells or permanently moves out; eligible non-borrowing spouse protections may apply.
- Closed-end home equity loans
- HECM for Purchase
03
FINANCING FOR YOUR NEXT PROPERTY
Investment Loans
DSCR Loan
A debt service coverage ratio loan may qualify an investment property using its rental income relative to debt payments. Credit, down payment, reserves and property requirements still apply; terms vary by lender.
- Bridge loans
- Investment property purchase loans
- Investment property refinances
- Rental property financing
- Multi-family property loans
Investment loans are grouped by purpose and can overlap with Conventional or Non-QM programs. Business-purpose financing may fall outside consumer ATR/QM rules; classification depends on the actual transaction. DSCR qualification does not eliminate lender underwriting requirements.
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