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 Programs

Conforming

Agency full-doc

Full-documentation financing eligible for sale to Fannie Mae and Freddie Mac, with pricing tied to conforming loan limits.

97%Max LTV

FHA

Government-insured

FHA-insured financing with flexible credit and income guidelines, built for first-time and lower-down-payment buyers.

96.5%Max LTV

VA

Veterans & service members

VA-guaranteed financing for eligible veterans, active-duty service members, and surviving spouses, with no down payment required.

100%Max LTV

USDA

Rural development

USDA-guaranteed financing for eligible rural and suburban properties, with no down payment required for qualified borrowers.

100%Max LTV

Jumbo & Super Jumbo

Full-doc and alt-doc

High-balance purchase and refinance financing for loan amounts above conforming limits, up to $5M+ for qualified borrowers.

$5M+Loan amount

Non-QM Layer 02

6 Programs

DSCR Investment

1–8 units, mixed-use eligible

Qualify off property cash flow — no personal income documentation required. Built for buy-and-hold and short-term rental investors.

85%Max LTV

Bank Statement

Self-employed borrowers

12–24 months of business or personal bank statements used to calculate qualifying income, with flexible expense-ratio options.

90%Max LTV

P&L Only

CPA-prepared statement

Qualify using a CPA, EA, or tax-preparer-signed profit and loss statement — no bank statements or tax returns required.

90%Max LTV

1099 Only

Gig & contract income

Income calculated from 12–24 months of 1099 forms for gig-economy, commission, and contract-based borrowers.

90%Max LTV

Asset Utilization

No employment doc required

Turn liquid assets — checking, savings, brokerage accounts — into qualifying income without traditional employment verification.

85%Max LTV

Foreign National

Non-resident borrowers

Financing for non-resident borrowers investing in U.S. real estate — no U.S. credit history or SSN required.

75%Max LTV

Portfolio & Specialty Layer 03

3 Programs

Fix & Flip

Short-term rehab financing

Purchase and renovation capital for investors rehabbing single-family and small multi-family properties for resale.

95%Max LTC

Hard Money / Bridge

Asset-based, short-term

Fast, asset-based capital for time-sensitive purchases, rehabs, and bridge scenarios where speed matters more than documentation.

DaysTo close

Reverse Mortgage

62+ borrowers

HECM and proprietary reverse financing that converts home equity into cash flow for qualifying borrowers, with no monthly mortgage payment required.

75%Max LTV

At a Glance

How the three groups compare.

CategoryDocumentationUnderwrite SpeedBest For
Conforming & Gov'tFull income & asset documentationStandardW-2 borrowers, agency guidelines
Non-QMBank statements, DSCR, or alternativeStandard to fastSelf-employed, investors, foreign nationals
Portfolio & SpecialtyDeal-specific, asset-basedFast, deal-dependentBridge, 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.