Specialty & Niche Programs

When Your Situation Doesn't Fit the Standard Box

Self-employed income, a unique property, or a need for extra flexibility: these programs are built for borrowers who don't fit conventional, FHA, VA, or USDA guidelines.

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Investment rental property

What It Is

Not every borrower fits neatly into a standard loan program. These programs cover investor lending, doctor loans for medical professionals, manufactured housing, alternative income documentation, and other specialty paths - each with its own guidelines and best-fit scenarios.

Program Categories

Specialty Paths for Situations Outside the Standard Box

  • Investment property ready for financing

    Featured Program

    For Investors

    Investor Lending

    Tools built for real estate entrepreneurs - from bridge and gap financing to private money DSCR and land loans.

    • Bridge and gap financing
    • Private money DSCR
    • Non-owner-occupied construction
    • Lot and land loans
    Explore Investment & Commercial Programs
  • Group of doctors in white coats smiling in a hospital hallway

    Featured Program

    Medical Professionals

    Doctor Loans

    High-LTV financing for eligible medical professionals - up to 100% on purchase for qualified borrowers with flexible treatment of student loans during residency and fellowship.

    • Up to 100% financing (loan amounts up to $1.5 million)
    • Minimum 700 FICO score
    • Purchase and rate-and-term refinance on primary residences
    • Eligible professions include MD, DO, DDS, DMD, PA, NP, and more
    View Doctor Loan Program Details
  • Manufactured home in a residential neighborhood

    Factory-Built

    Manufactured Housing

    Flexible financing for factory-built homes.

    • Single and double-wide homes
    • FHA, VA, USDA, and conventional manufactured housing options
  • Family celebrating their new home

    Alt Documentation

    Non-QM / Alt-Doc

    Flexible qualification for unique borrowers.

    • Bank statement programs (12 or 24 months)
    • 1099-only and profit & loss only documentation
    • DSCR and ITIN loans
    • Foreign national loans
    • Recent credit event and non-warrantable condo financing
  • Family with moving boxes in their home

    Unique Profiles

    Specialty & Niche Programs

    Purpose-built for unique borrower profiles.

    • Down payment assistance (state, local, and lender programs)
    • Bridge loans for buying before you sell
    • Community seconds and co-op financing
  • Family relaxing together on the sofa

    Gold Star Program

    FELOX

    A Gold Star specialty program for borrowers who need flexible equity and ownership paths outside standard guidelines.

    • Flexible equity access options
    • Custom structures for unique borrower profiles
    • Talk with a loan officer about current FELOX availability
Retired homeowners comfortable and confident in the home they own

Also Explore

Reverse Mortgage

Already have significant home equity and are 62 or older? Visit our Reverse Mortgage page for HECM, HECM for Purchase, proprietary jumbo reverse, and reverse mortgage refinance options.

Explore Reverse Mortgage

Common Questions

About Specialty Programs

Educational only, not a loan offer or commitment to lend. Program terms, rates, and eligibility vary; talk with a loan officer for your file. NMLS #3446. Non-QM and business-purpose loans are not Qualified Mortgages and may carry different terms, rates, and consumer protections than conventional, FHA, VA, or USDA loans.