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