Loan Programs
The common mortgage structures, defined — and how to choose between them.
For the loans banks turn away
DSCR and bank-statement loans, non-warrantable condos, asset depletion, 1099 and ITIN borrowers, building new, foreign nationals — these are the programs we specialize in when the agency box doesn't fit. They're our edge as a brokerage. See all specialty programs →
Non-QM Loans (overview)
Great borrowers don't always fit the agency box — Non-QM qualifies you on the full picture.
Learn moreDSCR Loans
Qualify on the rent, not your tax returns — financing built for rental investors.
Learn moreBank Statement Loans
Self-employed? Qualify on your deposits, not your tax returns.
Learn more1099 Income Loans
Independent contractor? Qualify on your 1099s, not your net returns.
Learn moreAsset Depletion Loans
Asset-rich, income-light? Qualify on your savings and investments.
Learn moreITIN Loans
No Social Security number? With an ITIN, homeownership is still within reach.
Learn moreForeign National Loans
Financing paths for buyers without U.S. citizenship or a traditional U.S. credit history.
Learn moreNon-Warrantable Condo Loans
Told a condo is “non-warrantable”? That's a lender problem, not a you problem — and we solve it.
Learn moreInvestment Property Loans
Qualify investment purchases on the property's cash flow — no tax returns or pay stubs required.
Learn moreDown Payment Assistance
Assistance that helps qualified buyers cover the down payment and get into a home sooner.
Learn moreRenovation Loans
Buy-and-renovate or refinance-and-renovate — one loan covers the home and the work.
Learn moreConstruction Loans
Build from the ground up with a single closing that converts to permanent financing.
Learn moreBridge Loans
Use the equity in your current home to buy the next one before you sell.
Learn moreHard Money Loans
Asset-based financing for investors — fast closings when the deal can't wait for a bank.
Learn moreCommercial Mortgages
Financing for income property and owner-occupied commercial real estate.
Learn moreManufactured Home Loans
Home-and-land or home-only financing for manufactured and mobile homes.
Learn moreThe everyday financing structures
Because Atlantic is a brokerage, these aren't one bank's products — they're the menu we shop across our network of lending partners. Not sure where to start? Here's how to think about it, see why a broker beats a single bank, or just call us.
Fixed Rate Mortgages
Monthly principal-and-interest payments that never change over the life of the loan — the steady, predictable classic.
Learn moreAdjustable Rate Mortgages
A rate that adjusts with the market after an initial period — often a fit when you won't keep the loan for decades.
Learn moreHybrid ARMs
Fixed for 3, 5, 7 or 10 years, adjustable after — combining the strengths of both structures.
Learn moreFHA Loans
FHA-insured financing designed to make qualifying easier, with flexible credit and down-payment guidelines.
Learn moreVA Loans
Benefits earned through service — VA-guaranteed loans for eligible veterans, service members and surviving spouses.
Learn moreUSDA Loans
USDA-guaranteed financing for homes in eligible rural and suburban areas.
Learn moreJumbo Loans
Financing above conforming loan limits for higher-value properties.
Learn moreReverse Mortgages
Lets eligible senior homeowners convert part of their home equity into cash while remaining in the home.
Learn moreInterest Only Mortgages
Payments cover interest alone for a set period — lower initial payments with trade-offs to understand.
Learn moreBalloon Mortgages
A fixed rate up front with the remaining balance due at the end of the term.
Learn moreGraduated Payment Mortgages
Payments that step up on a set schedule before leveling off for the rest of the loan.
Learn moreComponents of an ARM
Index, margin, caps — understand the moving parts before you choose an adjustable-rate loan.
Learn moreARM Indexes
The most commonly used indexes that drive adjustable-rate mortgage pricing.
Learn moreHARP 2 Refinance
A look back at the HARP 2 program and what replaced it for underwater refinances.
Learn moreWhich Program Is Best for You?
Fixed or adjustable? Government or conventional? How to think about the choice.
Learn more