Your mortgage has more than one possible answer.
Find programs worth exploring, diagnose what may be blocking you, and pressure-test affordability before you commit to a loan strategy.
Choose your starting point
What do you need to solve?
I want to buy
Explore low-down-payment, assistance, first-time-buyer, VA, USDA, and conventional paths.
Start hereI need to know what I can afford
Model a full housing payment, buying-power range, and estimated cash to close.
Start hereMy situation is not standard
Self-employed, 1099, bank statements, manufactured homes, renovation, and investor scenarios.
Start hereI already have a mortgage or Loan Estimate
Pressure-test payment, costs, break-even, risk, and alternatives before making a decision.
Start here238
consumer program records indexed
53
states and jurisdictions represented
3
ways to assess the numbers yourself
Self-diagnose before you apply
Start with the problem—not a loan acronym.
Choose what sounds like your situation. LoanBot will take you to the most relevant section of the Smart Program Index, without pretending a quick filter is a final approval.
Not enough cash to close
Explore possible pathsCredit may be the roadblock
Explore possible pathsSelf-employed or 1099
Explore possible pathsVeteran or active-duty
Explore possible pathsRural or suburban property
Explore possible pathsRenovation or new construction
Explore possible pathsManufactured or modular home
Explore possible pathsInvestment property or DSCR
Explore possible pathsReviewMyMortgage Smart Program Index
Search the market by solution family.
The index brings standard, state, assistance, specialty-income, construction, renovation, and investment programs into one consumer-friendly place.
Conventional
Mainstream financing, affordable-lending options, and specialty conventional paths.
ExploreFHA
Government-insured options that may offer flexible credit and down-payment treatment.
ExploreVA
Purchase and refinance paths for eligible veterans, service members, and qualifying spouses.
ExploreUSDA
Rural-housing programs with location and household-income requirements.
ExploreJumbo
Options for loan amounts above standard conforming limits.
ExploreFlexible income
Bank-statement, asset-based, DSCR, and other alternative-documentation paths.
ExploreHomebuyer assistance
State and local programs that may help with down payment or closing costs.
ExploreAffordability—not just principal and interest
See the payment before the payment surprises you.
A useful affordability check includes taxes, insurance, mortgage insurance, HOA dues, monthly debts, and cash to close—not only the advertised rate.
Quick principal-and-interest check
Add taxes, insurance, HOA, and mortgage insurance in the full tool.
Estimated monthly principal & interest
$2,157
Estimated loan amount
$332,500
Educational estimate only. This is not an interest-rate quote, payment guarantee, or credit decision.
Already have a Loan Estimate or an existing mortgage?
Do not judge a mortgage by the rate alone. Review the payment, lender charges, points, cash to close, break-even period, risk, and whether a different program structure deserves a second look.
Examples from the live index
Different problems can lead to different programs.
AZIDA HOME+PLUS 5% Assistance
AZIDA HOME+PLUS 5% Assistance is a down payment assistance program for eligible homebuyers seeking purchase financing in Arizona, with help with down payment and/or closing costs.
HomeReady by Fannie Mae
Affordable mortgage program designed for low-to-moderate income borrowers with reduced mortgage insurance.
Homebridge Wholesale Access Alt Doc Program
Homebridge Wholesale Access Alt Doc Program is a conventional mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.
ODVA Oregon Veteran Home Loan
ODVA Oregon Veteran Home Loan is a conventional mortgage program for eligible veterans, service members, and qualifying surviving spouses seeking purchase financing in Oregon, with VA loan benefits for eligible military borrowers.
CHOICERenovation High-Balance Refinance
CHOICERenovation High-Balance Refinance is a conventional mortgage program for eligible borrowers seeking refinance financing where available, with the ability to finance eligible repairs or improvements.
Carrington Investor Advantage Program
Carrington Investor Advantage Program is a conventional mortgage program for real estate investors seeking purchase financing where available, with program-specific eligibility, pricing, and underwriting terms.
How the new experience works
Education first. Verification second. Application last.
Describe the problem
Tell LoanBot what you are trying to accomplish and what may be getting in the way. Use ranges—not sensitive account data.
See possible paths
The Smart Program Index surfaces mortgage categories and programs worth exploring, plus the questions that still need a professional review.
Pressure-test the numbers
Estimate affordability, full monthly payment, cash to close, and the tradeoffs between possible strategies.
Get a licensed review
When you are ready, send the scenario into LoanBot for a licensed mortgage professional to verify eligibility and next steps.