Program directory
Mortgage loan programs
Educational overviews of the loan programs supported on the YPN USA platform, written for borrowers evaluating their options before talking to a licensed loan officer.
FHA Loans
FHA loans are government-backed mortgages designed for lower down payments and more flexible credit requirements than a typical conventional loan.
VA Loans
VA loans are a benefit for eligible veterans, active-duty service members, and certain surviving spouses, often available with no down payment required.
Conventional Loans
Conventional loans are not government-backed and typically follow Fannie Mae or Freddie Mac guidelines, offering competitive terms for well-qualified borrowers.
DSCR Loans
DSCR (Debt Service Coverage Ratio) loans qualify investment-property borrowers based on the property's rental income rather than personal income documentation.
HELOC
A Home Equity Line of Credit (HELOC) lets homeowners borrow against their home's equity as a revolving credit line, rather than a one-time lump sum.
Refinance
Refinancing replaces your existing mortgage with a new loan — commonly used to change your rate or term, tap equity through a cash-out refi, or remove mortgage insurance.
Jumbo Loans
Jumbo loans finance properties above the conforming loan limits set for Fannie Mae and Freddie Mac loans, commonly used for higher-value homes.