Who this article is for
This article is for:
Borrowers checking whether their loan scenario is eligible
People comparing Nestwise with other lenders
Anyone unsure if a specific loan program is available
Loan types Nestwise does not offer
Nestwise focuses on conventional mortgages that follow Fannie Mae and Freddie Mac guidelines. Because of this, we do not offer certain specialty or government-backed loan products.
Here are the loan types Nestwise does not provide:
Government-backed loans
Nestwise does not offer:
FHA loans
VA loans
USDA loans
These programs have their own rules, documentation requirements, and insurance structures that fall outside the scope of Nestwise’s current product model.
Non-QM (Non–Qualified Mortgage) loans
Nestwise does not offer Non-QM products, including:
Bank statement loans
DSCR (Debt Service Coverage Ratio) loans
Asset depletion loans
Interest-only mortgages
Alternative-income or expanded-credit products
These loan types do not follow agency standards, which is why they are not part of the Nestwise lineup.
Construction and renovation loans
Nestwise does not offer:
Construction loans
Construction-to-permanent loans
Major renovation or rehab loans
Nestwise loans are for completed, move-in-ready homes only.
Other specialized programs not offered
Nestwise also does not provide:
Reverse mortgages
Adjustable-rate mortgages (ARMs)
Bridge loans
HELOCs (Home Equity Lines of Credit)
Standalone home improvement loans
We offer 30-year fixed-rate conventional mortgages only.
If your scenario isn’t eligible with Nestwise
Borrowers who need more flexible or alternative financing may be a better fit for Doorly™, our sister company.
Doorly may help if you:
Have non-traditional income
Need lower down payment flexibility
Have credit challenges
Don’t meet conventional loan standards
You can learn more at www.godoorly.com.