Loan Options
Explore smart home financing solutions with Frank Gonzales and the Do Good Lending Team. Whether you’re buying, refinancing, or investing, we’ll tailor the right mortgage strategy to meet your goals — without the guesswork.
Home Loan Programs
Conventional
The go-to for strong borrowers. Perfect if you’ve got solid credit and steady income. Enjoy competitive rates, flexible terms, and low down payments — plus no mortgage insurance once you hit 20% equity.
​
→ Ideal for: First-time or repeat buyers who want a simple, straightforward loan.
​
​
FHA
A powerful tool for first-time buyers or those rebuilding credit. With just 3.5% down and flexible guidelines, FHA loans make
homeownership more accessible — without cutting corners on quality or peace of mind.
→ Ideal for: First-time buyers or anyone with limited credit history or lower scores.
​
VA
For those who’ve served — this one’s for you. VA loans offer zero down payment, no mortgage insurance, and competitive
rates, all backed by the Department of Veterans Affairs. Your service earned this benefit — let’s make sure you get every advantage.
→ Ideal for: Veterans, active-duty service members, and eligible spouses.
Non-QM
Your income doesn’t have to fit in a box. Non-QM loans are built for self-employed borrowers, investors, and anyone with unique financials. We use bank statements, assets, or business financials (P&L) to qualify you — not just W-2s.
→ Ideal for: Entrepreneurs, real estate investors, and borrowers who color outside the lines.
​
No Doc Loan
No tax returns. No paystubs. No problem.
With a No-Doc loan, we focus on the asset, not the paperwork. Designed for investors or high-net-worth borrowers who prefer simplicity, this program lets you move fast without the documentation grind.
→ Ideal for: Investors, seasoned borrowers, or self-employed clients who want privacy and speed in their financing.
Mortgage Calculator
Easily estimate your monthly mortgage payment with our simple calculator. Just enter the home price, down payment, loan term, and interest rate to see your potential principal and interest payments. This tool helps you understand what fits your budget and compare different loan options so you can plan with confidence.