Home is just the beginning.
Find your place.
Plan your future.
Explore loans for your first home or next chapter.
Apply Now
A home loan should make sense
A big decision. A little more clarity.
Start with what you want to do. We’ll show you the paths, the trade-offs and the questions worth asking before you choose.
Home is the starting point
More than a mortgage.
Your next move.
From the first set of keys to the space you’ve outgrown, your plans deserve a clear way forward.
- 01
Buy a home
Explore your next home.
- 02
Refinance
Compare the full cost.
- 03
Access equity or invest
See your property’s potential.
Choose a path
What’s your next move?
Choose a goal to explore the loans.
A place to
call your own.
Explore the right starting point for your home purchase.
A better fit
for your loan.
Compare the full cost before you replace your current mortgage.
Put your equity
to work.
See how much of your home’s value you could use, and what it costs.
- FHA Cash-out RefiReplace your mortgage with a new FHA-insured loan and receive eligible equity.
- VA Cash-out RefiA new VA-backed mortgage that may release home equity.
- HELOCA credit line secured by your home, keeping your first mortgage.
- Conventional Cash-out RefiA new conventional mortgage that releases eligible equity.
- Bank Statement Cash-outUse bank deposits to document income and put equity toward your plans.
Put the
property first.
Explore investment financing focused on the rental’s income.
How it works.
You set the goal. Explore your options and understand what you’ll need next.
- 01
Tell your story
Start with your goal, your property and how you earn.
- 02
Explore your options
Compare the loan features that fit your situation.
- 03
Review the details
Confirm eligibility, documents, rates and total costs.
- 04
Choose your next step
Proceed when the offer and numbers work for you.
Borrower stories
A little clarity goes a long way.
Sample reviews shown for layout. Names are fictional.
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Explore the numbers.
Simple scenarios to help you ask better questions.
A little more clarity
Common questions.
Clear answers to help you choose your next step.
What happens when I select Apply Now?
You’ll answer a few short questions about the property, your goal and your finances. It takes a few minutes and does not affect your credit score. A licensed member of our team will then follow up to talk through your options.
Do I have to choose a loan before speaking with you?
No. Start with your goal, whether that’s buying, refinancing, using equity or investing, and a licensed loan officer will help you compare the programs that may fit.Draft, pending review
What does Swoop Lending do?
Swoop Lending brings purchase, refinance, home-equity and investment-property financing together in one place. Tell us your goal and our team will walk you through the options, the costs and the right program for your situation.
Will using a calculator affect my credit?
No. The calculators run in your browser on the numbers you enter. They don’t collect your information or check your credit.Draft, pending review
How do I know which loan fits?
It depends on your goal, the property and how you earn. Each loan guide explains who it’s designed for, the main requirements and the trade-offs, and our team can review your situation with you.Draft, pending review
Are the program figures a loan offer?
No. Rates, terms and calculator results are illustrations, not a commitment to lend. All loans are subject to credit approval, underwriting and property eligibility.Draft, pending review
Your next move starts
with a little clarity.
Explore the options. Understand the trade-offs. Then decide.
Apply Now