Loan Programs
Programs for Every Mission
A full suite of mortgage products — anchored by a deep specialty in VA lending for the service members and veterans I'm proud to serve.
Veteran Exclusive
VA Loans & IRRRL
The benefit you earned, deployed the way it was meant to be used. Zero down, no PMI, and a Streamline Refinance (IRRRL) when the time is right.
- $0 down payment options
- No private mortgage insurance
- IRRRL streamline refinance
- Funding fee waived for eligible veterans
All Credit Types
Purchase Loans
First-time buyer or moving up? Conventional, FHA, USDA, and low-down-payment programs structured around your goals.
- Low and no-down-payment programs
- FHA-friendly credit guidelines
- Down payment assistance options
- Pre-approval in 24 hours
Rate · Term · Cash-Out
Refinance
Lower your rate, shorten your loan, or pull equity for the next chapter. I model every scenario so you choose with confidence.
- Rate and term refinance
- Cash-out refinance
- Streamline programs (VA · FHA)
- Side-by-side savings analysis
Popular Choice
Debt Consolidation
Roll high-interest debt into one structured payment using home equity. Improve cash flow without losing financial discipline.
- Cash-out to retire credit-card debt
- Lower combined monthly payment
- Potential tax advantages
- Clear breakeven analysis up front
Wholesale Access
Available Loan Programs
Broad program access through Bolt Home Loans — the right tool for the right scenario.
Conventional
FHA
VA
USDA
Jumbo
DSCR
Bank Statement
Non-QM
Construction
Renovation
Fast Closings
Disciplined timelines, clear updates
Competitive Pricing
Multiple investors, sharpened rates
Bolt Home Loans
Modern lending, military-grade follow-through