LOAN PROGRAMS
Find the Right Loan for Your Goals
From reverse mortgages for seniors to investment property financing, we offer a full menu of loan solutions backed by 265+ lending partners.
One Lender. Every Solution.
Michele Albohn and the In Good Hands Mortgage team specialize in matching borrowers with the right program — not just the first one that fits. With access to over 265 lenders across 12 states, we compare rates, terms, and guidelines so you don't have to. Whether you're a retiree looking to unlock home equity, a first-time buyer, or a real estate investor, we have a program designed for you.
Reverse Mortgage (HECM)
Age in place and access your equity — no required monthly payment.
A Home Equity Conversion Mortgage (HECM) lets homeowners 62+ convert a portion of their home equity into tax-free funds. No required monthly principal-and-interest payment as long as you live in the home. Choose a lump sum, monthly payments, a line of credit, or a combination.
- Must be age 62 or older
- FHA-insured — you can never owe more than the home is worth
- Stay in your home for life
- Tax-free proceeds (consult your tax advisor)
- Available as lump sum, monthly income, or line of credit
Reverse Mortgage for Purchase
Buy a new home with no required monthly mortgage payment.
Use a reverse mortgage to purchase a new primary residence — perfect for seniors who want to downsize, relocate closer to family, or move into a more accessible home. Combine your home sale proceeds with HECM funds to buy without a monthly payment obligation.
- Age 62+ required
- No required monthly principal-and-interest payment
- Ideal for downsizing or relocating
- Must be primary residence
- FHA-insured program
Conventional Loans
Flexible financing for purchases and refinances.
Conventional loans offer competitive rates and flexible terms for borrowers with strong credit. Available in fixed and adjustable rates with down payments as low as 3%. Ideal for primary residences, second homes, and investment properties.
- Fixed and adjustable rate options
- Down payments as low as 3%
- No PMI with 20% down
- Loan amounts up to conforming limits
- Primary, second home, and investment property
FHA / VA / USDA Loans
Government-backed programs with low down payment options.
FHA loans offer low down payments and flexible credit requirements. VA loans provide zero-down financing for eligible veterans and active-duty service members. USDA loans offer 100% financing for eligible rural properties.
- FHA: 3.5% down, flexible credit
- VA: 0% down for eligible veterans
- USDA: 100% financing in eligible areas
- Competitive government-backed rates
- Streamline refinance options available
DSCR Loans
Rental property financing based on property cash flow.
Debt Service Coverage Ratio (DSCR) loans qualify based on the rental income of the property — not your personal income. Ideal for real estate investors who want to grow their portfolio without W-2 income verification.
- No personal income verification
- Qualify based on rental income
- Single-family, multi-family, short-term rentals
- Fixed and adjustable rate options
- Ideal for portfolio investors
Bank Statement Loans
Self-employed? Qualify using your bank deposits.
Bank statement loans are designed for self-employed borrowers who can't document income through traditional tax returns. Use 12–24 months of personal or business bank statements to qualify.
- 12 or 24 months of bank statements
- No tax returns required
- Personal or business accounts accepted
- Primary, second home, and investment property
- Competitive rates for qualified borrowers
Fix and Flip Loans
Short-term financing for real estate investors.
Fast, flexible financing for investors who purchase, renovate, and resell properties. Our fix-and-flip loans offer quick closings and competitive rates so you can move on opportunities fast.
- Fast closings — often in days
- Based on after-repair value (ARV)
- Interest-only payment options
- Residential and small commercial
- Experienced investor programs available
Construction Loans
Finance your new build from ground up.
Construction loans provide financing for building a new home or major renovation. Funds are disbursed in draws as construction progresses, then convert to a permanent mortgage at completion.
- One-time close available
- Funds disbursed in draws
- Converts to permanent mortgage
- Custom home builds and major renovations
- Fixed and adjustable rate options
Business & Commercial Loans
Financing for commercial properties and business needs.
From commercial real estate to SBA financing and equipment loans, we offer a full range of business financing solutions. Whether you're purchasing a commercial property or funding business growth, we have options.
- Commercial real estate purchase and refinance
- SBA 7(a) and 504 loans
- Equipment financing
- Business lines of credit
- Multi-family and mixed-use properties
Licensed in 12 States
We serve borrowers across the country. Contact us to confirm availability in your state.
Not Sure Which Program Is Right for You?
Schedule a free, no-obligation consultation with Michele Albohn. We'll review your situation, explain your options in plain language, and help you find the best fit.
Schedule a Free Consultation