Mortgage Programs
Find the right loan
for your situation
Brightwire offers five specialized loan programs — from conventional to no-income-documentation — so you get the best fit for your finances.
20
days to close
5★
Google rating
5
loan programs
NJ
licensed & local
All programs
Loans for every borrower
Whether you're a first-time buyer, veteran, self-employed, or don't have traditional income documentation — we have a program designed for you.
Most popular
Conventional Loan
The most common mortgage in the US — not backed by a government agency. Conforming conventional loans follow Fannie Mae and Freddie Mac guidelines, delivering the lowest monthly payment, closing costs, and APR available.
- As little as 3% down with a credit score of 680+
- Close in 20 days or less
- Available for primary residences, investment properties, second homes & condos
- Loan terms from 7 to 30 years; ARMs available
Government-backed
FHA Loan
Insured by the Federal Housing Administration. Designed for buyers who need a lower credit threshold to qualify, with a minimum 580 score required.
- Qualify with a credit score as low as 580
- Accurate pre-approvals — no bank overlays
- Expert guidance on FHA-approved condos
Veterans only
VA Loan
Exclusive to eligible veterans, active-duty military, reservists, and surviving spouses. VA loans offer some of the best terms available — no down payment, no PMI, and consistently lower interest rates.
- 0% down payment required
- No monthly PMI
- Eligibility never expires
- No funding fee for disabled veterans
Self-employed & cash-paid
Non-Traditional Loan
Ideal for the self-employed, cash-paid workers, and retirees with assets but no regular income. Bank statements replace W-2s and tax returns — so aggressive write-offs won't hold you back.
- 10% or higher down payment
- Credit score of 620 or higher
- 12 or 24 months of bank statements accepted
No income docs required
No Income Documentation Loan
Purchase a primary residence without providing proof of employment or income. Designed as a short-term strategy for qualified buyers with significant assets.
- 20–30% down payment required
- 12+ months of reserves after closing
- No prepayment penalties on primary residences
Not sure which program fits?
Our loan officers will help you find the most affordable option for your situation — no obligation.