Lend With Lex logoLend With Lex

Loan Programs

Every major mortgage program — one trusted advisor.

Whether you're buying your first home, refinancing for the third time, pulling equity for a renovation, or scaling an investment portfolio, there's a program for you. Lex matches the program to your situation, not the other way around.

Conventional Purchase & Refinance

Fannie Mae and Freddie Mac conforming loans for primary, second, and investment homes. Competitive rates with as little as 3% down for qualified first-time buyers.

  • Fixed and ARM options
  • 3–20% down payment
  • Up to $806,500 in most counties
  • Cash-out refinance available

FHA, VA & USDA Loans

Government-backed programs with flexible qualification and low (or zero) down payment options. Ideal for first-time buyers, veterans, and rural buyers.

  • FHA from 3.5% down
  • VA loans with $0 down for eligible veterans
  • USDA for rural & suburban properties
  • Lower credit-score thresholds

Jumbo & Non-QM

Loans above conforming limits and alternative-documentation programs for self-employed borrowers, investors, and unique income profiles.

  • Jumbo up to $5M+
  • Bank-statement programs
  • DSCR investor loans
  • Asset-depletion underwriting

HELOC & Home Equity

Tap into your home's equity without giving up your low first-mortgage rate. Lines of credit and fixed-rate second mortgages.

  • HELOCs up to 90% CLTV
  • Fixed-rate seconds
  • Fast closings (often under 14 days)
  • Use for renovation, debt consolidation, or investment

Not sure which program fits?

That's exactly what Lex is here for. Share your goals and she'll come back with a side-by-side comparison.

Get Pre-Qualified