Team Lattice

    Find the Financing Path That Fits Your Next Move

    Not every buyer fits into the same box. Team Lattice helps you understand which financing path may fit your goals, timing, income, cash position, payment comfort, and next move.

    This page is designed to help you explore options by situation — not just by loan name.

    Not Sure Where to Start?

    For buyers who want to understand their options without the confusion.

    You May Be Thinking:

    • "I am not sure what type of loan I need."
    • "I just want to know what my options are."
    • "I talked to another lender, but I am still confused."
    • "Can someone walk me through this?"

    Strategy Areas:

    • Review buyer goals
    • Understand timeline
    • Review income, credit, cash, and payment comfort
    • Identify the best starting point

    First-Time & Low Down Payment Options

    For buyers looking to enter the market with manageable upfront costs.

    You May Be Thinking:

    • "This would be my first home."
    • "I thought I needed 20% down."
    • "I am tired of renting."
    • "How much money do I need to buy?"
    • "I want to buy, but the process feels overwhelming."

    Strategy Areas:

    • Low down payment options
    • Cash-to-close clarity
    • Credit readiness
    • Payment comfort
    • First-time buyer education

    Veteran Buyer Options

    For Veterans and active-duty military maximizing their earned benefits.

    You May Be Thinking:

    • "I am a Veteran."
    • "I have VA benefits, but I have never used them."
    • "I used my VA loan before. Can I use it again?"
    • "Another lender made VA sound complicated."
    • "I want to understand my payment and cash-to-close options."

    Strategy Areas:

    • VA eligibility and entitlement
    • Cash to close
    • Residual income
    • Payment comfort
    • Whether VA may fit the purchase strategy

    Down Payment & Cash-to-Close Support

    For buyers who can afford a payment but need help with upfront funds.

    You May Be Thinking:

    • "I have good income and credit, but I do not have a lot saved."
    • "How much money do I actually need?"
    • "Are there any grants available?"
    • "I can afford the payment, but I am worried about cash to close."
    • "I thought I needed thousands more before I could start."

    Strategy Areas:

    • Down payment assistance
    • Closing cost assistance
    • Available funds
    • Income and household eligibility
    • Cash-to-close planning

    Move-Up & Buy Before You Sell Options

    For current homeowners navigating the transition to their next property.

    You May Be Thinking:

    • "I need to sell my house first."
    • "I do not want to move twice."
    • "Most of my money is tied up in my current home."
    • "Can I buy before I sell?"
    • "We have outgrown our current home."
    • "I found the right home, but my house is not listed yet."

    Strategy Areas:

    • Current home equity and mortgage balance
    • Timing
    • Buy-first or sell-first options
    • Bridge loan possibilities
    • Payment comfort and cash after closing

    Payment Strategy Options

    For buyers focused on keeping their monthly obligations comfortable.

    You May Be Thinking:

    • "The payment is higher than I expected."
    • "I am waiting for rates to come down."
    • "What is a buydown?"
    • "Can the seller or builder help lower my payment?"
    • "I like the home, but I am nervous about the monthly payment."
    • "Is there a way to make the payment more comfortable?"

    Strategy Areas:

    • Buydown options
    • ARM options
    • Builder or seller incentives
    • PMI options
    • Price reduction vs. payment strategy
    • Payment comfort review

    Self-Employed & Alternative Income Options

    For business owners and 1099 earners with complex income structures.

    You May Be Thinking:

    • "I am self-employed."
    • "I own my own business."
    • "I am a 1099 employee."
    • "My tax returns do not show all of my income."
    • "I write off a lot for my business."
    • "Another lender said my income was too complicated."
    • "I make good money, but qualifying has been difficult."

    Strategy Areas:

    • Tax return review
    • Bank statement review
    • Business income
    • Alternative documentation
    • Deposits
    • Traditional and non-traditional qualifying paths

    Specialty & Second-Look Solutions

    For buyers who need a more flexible or creative financing approach.

    You May Be Thinking:

    • "Another lender said I did not qualify."
    • "My situation is complicated."
    • "I was told no, but I do not understand why."
    • "My income, assets, or documents are not straightforward."
    • "I do not fit the normal box."
    • "Can someone take a second look?"

    Strategy Areas:

    • Second-look review
    • Portfolio options
    • Flexible lending paths
    • Non-QM possibilities
    • ITIN options, if applicable
    • Unique credit, income, asset, or documentation scenarios

    Investor & Rental Property Options

    For buyers building wealth through real estate investment.

    You May Be Thinking:

    • "I am buying this as an investment."
    • "I want to rent the home out."
    • "Can I qualify based on rental income?"
    • "I already own other properties."
    • "I am looking to build my rental portfolio."

    Strategy Areas:

    • DSCR options
    • Rental income potential
    • Down payment strategy
    • Investor loan structures
    • Property type
    • Buyer experience

    Loan options depend on eligibility, credit, income, assets, property type, occupancy, program guidelines, and approval requirements. Team Lattice helps clients understand available financing options and how those options may fit into their overall homeownership strategy.

    Find the Right Path Forward

    Take the next step to clarify your options and build a confident strategy.

    Have a question for Lattice?