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KNB Capital · Mortgage Broker
Loan Programs
We are a broker, not a bank. That means we are not stuck selling one company’s product line — we take your file to multiple wholesale lenders and place it where the guidelines actually fit. Below is every program we originate.
How this works
One file. Many lenders.
A bank can only offer you what that bank sells. If your file does not fit their box, the answer is no and the conversation ends there. A broker works the other way around: we read the file first, then go find the lender whose guidelines match it.
That matters most when something about your situation is not standard — you are self-employed, your tax returns understate what you actually earn, you are buying an investment property, or you were declined somewhere else. Those files usually are not unqualified. They were just shown to the wrong lender.
01
Buying a home
Purchase programs for primary residences and second homes.
ConventionalFannie Mae and Freddie Mac loans. The default choice for strong credit and steady income.FHAGovernment-insured, built for lower down payments and more flexible credit.VAFor veterans and active duty. No down payment required and no monthly mortgage insurance.USDAZero down payment in eligible rural and suburban areas.JumboFor loan amounts above the conforming limit in your county.Down Payment AssistanceGrant and second-lien programs that help cover the down payment.
02
Self-employed and investors
Programs that qualify you on assets or property cash flow instead of W-2 income.
DSCR InvestorQualifies on the property’s rent, not your personal income. No tax returns.Bank StatementUses 12 to 24 months of deposits for self-employed borrowers whose returns understate income.Non-QMFor files that do not fit agency rules: asset depletion, recent credit events, complex income.Hard MoneyShort-term, equity-driven financing when speed matters more than rate.
03
Refinancing and equity
Options for the home you already own.
Rate and Term RefinanceChange your rate or term without taking cash out.Cash-Out RefinanceReplace your mortgage and take equity out as cash.HELOCA revolving line against your equity that leaves your first mortgage alone.Reverse MortgageFor homeowners 62 and older who want to convert equity into cash.
Not sure which one fits?
Tell us how you are paid and what you are trying to buy. We will tell you which programs you actually qualify for — and which ones are a waste of your time.
Common questions
Frequently asked
Is KNB Capital a lender or a broker?
KNB Capital is a mortgage broker. We do not lend our own money. We take your file to multiple wholesale lenders and place it with the one whose guidelines and pricing fit your situation.
Which states can you originate in?
KNB Capital is licensed in California, Texas and Idaho.
Which program is right for me?
It depends on how you are paid, how long you plan to keep the property, and how much you have for a down payment. A self-employed borrower with strong deposits but low taxable income is usually a bank statement or DSCR file, while a W-2 borrower with good credit is usually conventional. A short call sorts it out faster than a form.
Can you help if I have been turned down elsewhere?
Often, yes. A decline is usually a mismatch between one lender’s overlay and your file rather than a verdict on the file itself. Because we work with many wholesale lenders, we can look for one whose guidelines fit.