Ready, Set, Own.
Personalized mortgage solutions and expert guidance — finding more pathways to YES.
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Purchase Strategy
Explore Primary, Second Home, and Investment options including Fix & Flip and DSCR.
REFINANCE
Leverage & Rates
Analyze Rate/Term reductions, Debt Consolidation, and Home Equity Lines/Loans.
Purchase Categories
What is the primary intent for this property?
Primary Residence
I intend to live in this home for the majority of the year.
Second Home / Vacation
A vacation home or property I will live in part-time.
Investment Property
A property I intend to rent out or fix and flip for profit.
Property Condition
What type of home are you looking for?
Turn-Key (Move-in Ready)
I want a home that requires little to no work before moving in.
Fixer-Upper (Rehab)
I want to buy a home that needs some TLC or major renovations.
Primary Residence Options
How would you like to qualify for your mortgage?
Conventional
Standard financing for borrowers with good-to-excellent credit.
FHA / Gov / VA
Government-backed loans with flexible credit and favorable down payment options.
Non-QM (Alt-Doc)
Skip the tax returns. Options for self-employed and ITIN borrowers.
Jumbo Financing
For luxury properties exceeding standard county loan limits.
Conventional Programs
Standard Conventional
The standard route. Flexible down payment options for eligible buyers on single-family homes.
Fannie Mae HomeReady
Accessible down payment options with potentially reduced MI for eligible borrowers.
Freddie Mac Home Possible
A fantastic conventional alternative built for lower-to-moderate income borrowers.
Government-Backed Programs
Standard FHA
Accessible down payment options with highly flexible credit requirements.
FHA Combo Options
Keep your cash in the bank! Combines standard FHA with a secondary lien to help cover your required investment.
VA Loan
Options that allow eligible military and veterans to purchase with no required down payment and no PMI.
USDA (Rural)
Options that allow eligible buyers to purchase with no required down payment in designated rural areas.
Non-QM & Alternative Income
Bank Statements
Qualify using 12 to 24 months of personal or business bank deposits.
1-Year P&L
Use a Profit & Loss statement prepared by a tax professional.
1099 Income
Qualify using your 1099 earnings instead of a full tax return.
ITIN / Foreign National
Options for borrowers without a standard SSN living in the US.
Fixer-Upper Programs
FHA 203(k) Rehab
Roll the cost of home renovations directly into your FHA purchase mortgage.
VA Renovation
Rehab option for eligible military/veterans subject to max loan limits.
Fannie Mae HomeStyle
Finance renovations into a conventional loan. Great for buyers with strong credit.
USDA Renovation
Rehab option for properties located in designated rural areas.
Second Home Options
Financing options for your vacation or part-time home.
Conventional Second Home
Requires a down payment. Must be a 1-unit property occupied by owner part of the year.
Non-QM (Alt-Doc)
Qualify using alternative documentation methods like Bank Statements or 1099s instead of standard tax returns.
Investment Options
Select your investment strategy.
DSCR (Debt Service) 1-4 Unit
Long-term financing. Qualify based entirely on the property's rental cash flow.
Multi-Family (5-9 Units)
Commercial DSCR financing for 5 to 9 unit properties based entirely on property cash flow.
Conventional Investment
Standard full-doc investor loans. Down payment requirements vary.
Fix & Flip
Short-term bridge debt to acquire and rehab a property. Based on After Repair Value (ARV).
Refinance Products
Select a goal to view available loan programs.
Lower Rate / Change Term
Drop your interest rate, remove mortgage insurance, or switch to a shorter term.
Cash-Out Refinance
Replace your current mortgage with a larger one to tap into your home's equity.
Home Equity (2nd Liens)
Access cash without touching the interest rate on your primary mortgage.
Rate & Term Refinance
Conventional Refinance
Standard refinance for homeowners with good equity and strong credit.
FHA Streamline
Lower your FHA rate with minimal paperwork. No appraisal required.
VA IRRRL
Lower your VA rate quickly. No appraisal or income docs required.
Non-QM (Alt-Doc)
Refinance using Bank Statements or 1099s instead of tax returns.
Cash-Out Refinance
Conventional Cash-Out
Tap into your home's equity. Great for debt consolidation.
FHA Cash-Out
Tap into your equity with flexible credit requirements.
VA Cash-Out
Tap into your equity with some of the highest equity limits in the industry.
Jumbo Cash-Out
Extract significant equity from high-value luxury properties.
Home Equity & 2nd Liens
Standard HELOC / HELOAN
Access your home's equity without touching your 1st mortgage rate.
Alt-Doc 2nd Lien
Self-employed? Access equity using bank statements instead of tax returns.
Ready to take the next step?
Get a custom quote or start your pre-approval application today.
Request Rate Quote
Receive a custom rate quote for your exact scenario.
About
Most lenders focus solely on the "approval"—treating a mortgage as a one-time transaction. That approach ignores the bigger picture: a client's long-term financial trajectory.
A mortgage is a critical financial tool, not just a pile of paperwork. By partnering with a vast network of wholesale lenders and investors, Robertson Home Mortgage unlocks access to an incredibly diverse range of loan products. This extensive partnership network ensures that debt structuring becomes a strategic asset—creating more flexibility, more tailored solutions, and ultimately, more pathways to YES.
Dan Robertson
BROKER OWNER
Click to read bioWith over a decade of experience across credit unions, correspondent lending, and fintech startups, Dan brings a multifaceted perspective to every loan. Previously serving as the Qualifying Individual for a pioneering fintech startup, he built lending architectures and investor-focused lien strategies from the ground up. Now, as the founder of Robertson Home Mortgage, Dan applies this expertise directly to your portfolio—ensuring your mortgage isn't just a transaction, but a precise tool aligned with your financial goals.
Get in Touch.
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