Loan programs

Seven ways home. One honest advisor.

Compare our most popular mortgage programs at a glance. Not sure which fits? Tell us your goal and we'll map it out for you.

01 / 07

Home Purchase

Buy with a broker that moves at your pace.

Conventional fixed and adjustable-rate mortgages for primary homes and second homes, with fast pre-approvals that make your offer stand out.

Down payment
From 3%
Min. credit
620+
  • 24-hour pre-approval letters
  • Fixed & ARM options
  • Closings in as little as 21 days
02 / 07

Refinance

Lower your rate, shorten your term or tap equity.

Rate-and-term and cash-out refinancing to reduce your monthly payment, consolidate debt or fund renovations.

Down payment
20% equity typical
Min. credit
620+
  • Cash-out up to 80% LTV
  • Free break-even analysis
  • No-cost refi options
03 / 07

FHA Loans

Government-backed flexibility.

Federally insured loans with low down payments and flexible credit guidelines — ideal if your credit history is still growing.

Down payment
From 3.5%
Min. credit
580+
  • Gift funds allowed
  • Higher DTI tolerance
  • Streamline refinance eligible
04 / 07

VA Loans

Earned by your service.

Zero-down financing for eligible veterans, active-duty service members and surviving spouses, with no monthly mortgage insurance.

Down payment
0% down
Min. credit
600+
  • No PMI
  • We pull your COE for you
  • IRRRL refinance available
05 / 07

Jumbo Loans

Financing for exceptional properties.

Loan amounts above conforming limits for luxury and high-cost-market homes, with portfolio options up to $5M.

Down payment
From 10%
Min. credit
700+
  • Up to $5M loan amounts
  • Interest-only options
  • Dedicated senior underwriter
06 / 07

First-Time Buyer

Your first keys, explained step by step.

Guided programs that pair low down payments with down-payment assistance and one-on-one coaching from contract to closing.

Down payment
From 3%
Min. credit
620+
  • Down-payment assistance
  • Free homebuyer coaching
  • Closing-cost credits
07 / 07

Investment Property

Grow a portfolio that pays.

Financing for 1–4 unit rentals and DSCR loans that qualify on property cash flow instead of personal income.

Down payment
From 15%
Min. credit
660+
  • DSCR — no tax returns
  • 1–4 unit properties
  • LLC vesting allowed

Not sure which program fits?

Run the numbers first, then talk to an advisor.

Open the calculator
STL Equities

Independent mortgage brokerage helping families buy, refinance and invest across New York since 2019.

CompanyNMLS ID #1320558

Contact

(929) 503-1041 inquiries@stlequities.com

450 Lexington Ave, Suite 2200, New York, NY 10017

Mon – Fri 8am – 7pm ET · Sat 9am – 2pm ET

Equal Housing
Opportunity

STL Equities LLC · NMLS ID #1320558. Licensed Mortgage Broker — NYS Department of Financial Services. Verify our license at nmlsconsumeraccess.org.

We are an Equal Housing Opportunity mortgage broker. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All loans subject to credit approval, underwriting review and property appraisal. Rates, terms and programs are subject to change without notice. This is not a commitment to lend.

© 2026 STL Equities LLC. All rights reserved.