Mortgage Programs

Financing solutions for every stage of homeownership

Explore the programs below, then start your qualification to see which options may fit your situation. This is not a commitment to lend; all loans are subject to credit approval.

Mortgage Programs

Explore financing solutions for every goal

View all programs

First-Time Homebuyer Programs

Guidance and program options for buyers purchasing their first home.

FHA Loans

Government-insured financing with flexible qualification considerations.

VA Loans

A benefit earned by eligible service members, veterans, and qualified surviving spouses.

Conventional Loans

Private financing that is not government-insured.

Down Payment Assistance

Programs that may help eligible buyers cover down payment and closing costs.

HELOC / Home Equity

Access the equity in your home through a line of credit or loan.

Cash-Out Refinancing

Replace your mortgage with a new loan and access the difference in cash.

Rate-and-Term Refinancing

Refinance to change your rate, term, or both — without taking cash out.

Self-Employed / Bank Statement Loans

Income qualification options designed for self-employed borrowers.

DSCR Investment Property Loans

Qualify investment properties based on the property cash flow.

Modern home at dusk

Ready to Explore Your Mortgage Options?

Let's find the financing that fits your goals.

Start your qualification on my secure application and I'll personally review your options with you.

LOANS BY ALFRED

Alfred Spencer — Mortgage Broker with E Mortgage Capital, Inc.. Helping borrowers explore financing solutions that fit their goals.

Licensed in: Michigan, Tennessee, Florida, Missouri, New Mexico, Connecticut

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Alfred Spencer, Mortgage Broker — E Mortgage Capital, Inc.. Individual NMLS #376123. E Mortgage Capital, Inc. NMLS #1416824.

Licensed in Michigan, Tennessee, Florida, Missouri, New Mexico, Connecticut. State licensing disclosures pending compliance review.

Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice.

© 2026 Loans By Alfred. All rights reserved.