Loan programs
A practical map of consumer, portfolio, investor, construction, and equity financing. The right one depends on your income, your cash, and the plan, not on what a lender happens to sell.
Short answer
This guide organizes 19 mortgage paths by the problem they solve, from VA and common-sense portfolio lending to construction, investing, down payment assistance, renovation, and equity. Each page explains fit, tradeoffs, qualification, and the next numbers to verify. MortgageOne Inc. is licensed for consumer mortgage lending in 41 states and Washington, DC. Chris Lamm is individually licensed in 19 states.
Ranked by where specialized advice matters most
Start with the borrower's situation, then choose the product
Veterans
Start here when VA eligibility is part of the plan.
Portfolio and common-sense lending
For real ability to repay that tax returns or automated rules do not show well.
Investors and builders
Match the financing to the hold, renovation, construction, or exit strategy.
Buying a primary home
Core purchase programs and help with cash to close.
Use or restructure equity
Compare first liens, second liens, and retirement-focused equity options.
Private lender. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Choosing a program: common questions
Which loan program is right for me?
It depends on three things: how your income is documented, how much cash you want to put in, and what the property is for. W-2 income with solid credit usually points conventional. Military service points VA. Self-employed income points to bank statement programs, and rentals point to DSCR. One short call sorts it, and I will tell you plainly which door fits.
Can I get a mortgage if I am self-employed?
Yes. If your tax returns support your income, full-documentation loans work fine. If your returns understate what you really earn, bank statement programs qualify you on 12 to 24 months of deposits instead. Self-employed lending is one of my core specialties, and the structuring happens before the application, not after a decline.
What states does Chris Lamm lend in?
MortgageOne Inc. is licensed for consumer mortgage lending in 41 states and Washington, DC. Chris Lamm is individually licensed in 19 states. Business-purpose and investor loans (including DSCR) are available in 40+ states. My branch is in Redding, California, and my team closes loans across the country every month.
Do you publish rates on this site?
No, on purpose. Rates change daily and depend on your credit, down payment, property, and program, so a number on a webpage is marketing, not information. What I give you instead is a real quote against your actual file, usually within a day of our first conversation.
What does the first call cost, and does it hit my credit?
Nothing, and no. The first call is ten minutes, free, and does not involve a credit pull. We cover your goal, your income picture, and which programs fit, and you leave with a straight answer and clear next steps. If I am not the right fit, I will say so.
Do you handle VA loans for veterans?
Every week, and they are one of my five specialties. I pull your Certificate of Eligibility for you, check funding fee exemptions on every file, and personally call listing agents so VA offers compete at full strength. Start with the VA loans page or the VA benefit check quiz.
Not sure which program fits? That is the point of the call.
Bring the goal. The Lamm Team brings 25 years of pattern recognition. You leave knowing the likely program, the numbers to verify, and your next step.
MortgageOne Inc. is licensed for consumer mortgage lending in 41 states and Washington, DC. Chris Lamm is individually licensed in 19 states. Business-purpose and investor loans (including DSCR) are available in 40+ states.