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Loan Programs

Explore loan programs and educational resources for purchase, refinance, HELOC, self-employed, commercial, investor, renovation, construction, government, and specialty scenarios.

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Choose your loan path.

Start with the category that fits your goal. Each page explains who it may fit, what to prepare, and how to request a scenario review.

⌂Home PurchaseLearn more▣Home RefinanceLearn more$Home EquityLearn more◌Self-EmployedLearn more▥Investors & CommercialLearn more⚒Renovation & ConstructionLearn more☆Specialty ProgramsLearn more✓Government LoansLearn more×Bank Said No?Learn more▣Realtors & PartnersLearn more

Common questions

Where should I start?

Choose the card that best matches your goal: purchase, refinance, home equity, self-employed, investor/commercial, or bank-declined.

Are these guaranteed programs?

No. All loans are subject to credit, income, property, program, and underwriting approval.

Can I speak with Michael directly?

Yes. Use the schedule or contact options to request a review of your scenario.

Related loan programs

Home PurchaseHome RefinanceHome EquitySelf-EmployedInvestors & CommercialRenovation & ConstructionSpecialty ProgramsGovernment LoansBank Said No?Realtors & Partners

Request a scenario review.

Share a few details and request a call. Do not include sensitive personal information beyond what is requested.

Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com