Your Mortgage Options, Clearly Explained

At Dundon Mortgage, clarity is at the center of everything we do. As an independent mortgage brokerage, we compare programs across multiple lenders to help you understand your options and choose the loan that best supports your goals — with transparency, expert guidance, and no pressure.

Conventional Loans

Flexible, competitive options for well-qualified borrowers.

Conventional loans often provide the most competitive pricing for borrowers with strong credit, steady income, and moderate down payments. These programs work well for a wide range of clients and property types, including primary homes, second homes, and investment properties.

Best for:

• Buyers with good to excellent credit
• 5–20% down payment
• Primary, secondary, or investment properties

FHA Loans

Accessible financing designed for first-time and developing borrowers.

FHA loans offer flexible qualification standards, making homeownership more accessible for buyers who may have lower credit scores, limited savings, or a shorter employment history. With low down payment options and built-in consumer protections, FHA programs can be a strong fit for those looking to enter the market with confidence.

Best for:

• First-time homebuyers
• Lower to moderate credit scores
• 3.5% down payment
• Buyers rebuilding credit

VA Loans

Exclusive benefits for eligible military service members and veterans.

VA loans offer some of the most favorable terms available, including no required down payment, no monthly mortgage insurance, and flexible credit guidelines. Backed by the Department of Veterans Affairs, these programs are designed to help eligible service members, veterans, and surviving spouses achieve homeownership with confidence and long-term financial stability.

Best for:

• Active-duty service members and veterans
• Eligible surviving spouses
• Buyers with limited down payment funds
• Those seeking competitive rates without mortgage insurance

Jumbo Loans

High-value financing for well-qualified buyers and luxury properties.

Jumbo loans provide mortgage solutions above conventional loan limits, offering flexible terms and competitive rates for buyers purchasing higher-value homes. These programs are ideal for borrowers with strong credit, stable income, and larger down payments — and they allow for tailored financing that aligns with more complex financial profiles.

Best for:

• Buyers purchasing homes above conforming loan limits
• Borrowers with strong credit and stable income
• Clients with higher asset reserves
• Primary, secondary, or investment properties in higher-cost markets

DSCR Loans

Financing for investors based on property cash flow — not personal income.

DSCR (Debt Service Coverage Ratio) loans allow investors to qualify using the property’s rental income rather than tax returns, W-2s, or traditional debt-to-income calculations. These programs offer flexible credit standards, streamlined documentation, and fast closings — making them an ideal option for real estate investors focused on cash flow and long-term portfolio growth.

Best for:

• Real estate investors purchasing rental properties
• Airbnb/short-term rental acquisitions
• Buyers who prefer no-income or reduced-documentation loans
• Clients with complex tax returns or unconventional income

Not sure which loan program fits your goals?

Let’s walk through your options together — clearly, confidently, and with zero pressure.

No credit pull. No obligation.