Every borrower starts in a different place, and the right loan depends on your goals, credit profile, cash available, property type, and long-term plans. Explore the major loan options below, then visit the dedicated page for the option that fits you best.
Compare flexible home loan paths, government-backed programs, refinance strategies, self-employed options, and specialty products with clear guidance from Toto Mortgage.
Review standard agency loan options for buyers and homeowners who fit Fannie Mae or Freddie Mac guidelines.
Compare Fannie Mae and Freddie Mac first-time buyer options, including low-down-payment paths for eligible borrowers.
Explore FHA, VA, and USDA mortgage options for eligible California buyers and homeowners.
Review FHA options, CalHFA possibilities, Chenoa assistance, and low-down-payment strategies for first-time buyers.
Explore a specialty FHA VOE option using employer verification instead of paystubs, W-2s, or tax returns.
Review a conforming VOE option for qualified buyers or homeowners with 20 percent down or equity.
Compare loan options for business owners, 1099 borrowers, commission earners, and complex-income clients.
Learn how assistance programs may help eligible buyers reduce upfront cash needed to purchase a home.
Review equity options for remodeling, debt planning, tuition, or other financial goals.
Explore higher-balance mortgage options and unique financing paths for more complex scenarios.
Explore private lending options for unique property, investor, or time-sensitive financing needs.
Review payment reduction, term changes, equity access, and ARM-to-fixed refinance strategies.
The best mortgage is not always the one with the lowest headline rate. Instead, it is the one that fits your goals, income structure, down payment, property type, and long-term strategy.
The right loan depends on your credit, income, cash available, property type, and goals. A side-by-side comparison usually makes the best next step clear.
Yes, in many cases. Some self-employed borrowers qualify through standard agency guidelines, while others may benefit from alternative documentation options.
No. Many buyers qualify with much less down, depending on the loan program and their overall file strength.
Ready to compare your options? Talk with Toto Mortgage about the loan paths that may best fit your purchase or refinance goals.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!