---

Buying a Home

From zero-down government programs to financing above county limits.

• FHA Loans — FHA home loans with low down payment options.
• VA Loans — Zero-down home loans for veterans and eligible service members: no monthly mortgage insurance, credit from 580, manufactured homes included.
• USDA Loans — Zero-down home loans for rural Kentucky: 100% financing, no monthly mortgage insurance, credit from 620.
• Conventional Loans — The standard home loan: 3% minimum down, 620+ credit, gift funds allowed, and mortgage insurance that drops off — plus down payment assistance.
• Jumbo Loans — Home financing above conforming limits: financing above county loan limits — terms vary by lender.

---

Self-Employed & Alternative Income

When tax returns undersell what you actually earn or hold.

• Bank Statement Loans — Qualify on 12–24 months of bank deposits instead of tax returns.
• No-DTI Loans — No income documentation, no employment required: qualify on FICO, assets, and reserves.

---

Investors

Loans underwritten on the property and the plan — the cabin-investor toolkit.

• DSCR Loans — Investor loans with no tax returns: the property’s rental income qualifies the deal.
• Fix & Flip Loans — Short-term investor financing: 12–18 month terms, low-down rehab financing — terms vary by lender.
• Hard Money Loans — Asset-based investor financing: no tax returns, up to 100% rehab cost funding, $100K–$5MM.
• Commercial Loans — Financing for commercial property: up to 80% LTV, interest-only options, DSCR as low as 1:1, cash-out to $5MM.

---

Unique Properties

The properties banks decline — land, manufactured homes, barndos, tough condos.

• Vacant Land Loans — Finance vacant land with flexible loan amounts.
• Mobile & Manufactured Home Loans — Single and double-wide financing with flexible manufactured-home programs — terms vary by lender including home and land, purchase or cash-out refinance.
• Barndominium Loans — Purchase financing for barndominiums with terms vary by lender.
• Non-Warrantable Condo & Townhome Loans — Financing for condos and townhomes that fail Fannie/Freddie warranty rules.

---

Later in Life

Equity without a monthly payment, for homeowners 62 and up.

• Reverse Mortgages — For homeowners 62+: convert home equity into cash or eliminate the mortgage payment, with no monthly payment required and HUD-counseled protections.

More Financing Guides

• Kentucky First-Time Homebuyer Guide — the path from renting to keys, program by program.
• Kentucky Down Payment Assistance — how state assistance works and stacks.
• Loan Comparison Guide — FHA vs USDA vs VA vs Conventional in one table.
• Construction & Land-to-Build Loans — financing the build, draws included.
• Manufactured Home Dealer Program — for dealers: draws handled, tough files closed.

Equal Housing Opportunity. Nothing on this page is a loan offer, loan approval, or commitment to lend by anyone; only a licensed lender can offer or approve a loan. Programs, rates, terms, and conditions are subject to change without notice; all applicants are subject to credit and underwriting approval, and not all applicants will qualify. Program details shown reflect available lender guidelines at the time of writing and may differ at application. Consult your accountant about tax matters. The loan programs described on this page are offered by licensed third-party lenders, not by Marcos Gil. Marcos is a licensed Kentucky real estate agent — not a mortgage loan originator — and can introduce you to a licensed loan officer for any program here. Verify any lender or loan officer at NMLS Consumer Access: nmlsconsumeraccess.org.

Last updated: August 14, 2026