{
  "note": "Set loan.program to one of these values. \"unsure\" is a perfectly good answer.",
  "programs": [
    {
      "value": "conventional",
      "name": "conventional",
      "description": "Fannie Mae and Freddie Mac conforming loans."
    },
    {
      "value": "fha",
      "name": "fha",
      "description": "Low down payment, flexible credit."
    },
    {
      "value": "va",
      "name": "va",
      "description": "Veterans and active duty. No down payment on most files."
    },
    {
      "value": "usda",
      "name": "usda",
      "description": "Rural property, income limits apply."
    },
    {
      "value": "jumbo",
      "name": "jumbo",
      "description": "Above the county conforming limit."
    },
    {
      "value": "bank_statement",
      "name": "bank statement",
      "description": "Self-employed borrowers qualified on deposits instead of tax returns."
    },
    {
      "value": "ptl_profit_loss",
      "name": "ptl profit loss",
      "description": "Self-employed, qualified on a CPA-prepared profit and loss statement."
    },
    {
      "value": "asset_depletion",
      "name": "asset depletion",
      "description": "Qualified on liquid assets rather than monthly income."
    },
    {
      "value": "dscr",
      "name": "dscr",
      "description": "Investment property qualified on the rent it produces."
    },
    {
      "value": "itin",
      "name": "itin",
      "description": "Borrowers who file taxes with an ITIN instead of a Social Security Number."
    },
    {
      "value": "foreign_national",
      "name": "foreign national",
      "description": "Non-resident buyers of US property."
    },
    {
      "value": "hard_money",
      "name": "hard money",
      "description": "Asset-based private money, fast close."
    },
    {
      "value": "fix_and_flip",
      "name": "fix and flip",
      "description": "Purchase plus rehab for investors."
    },
    {
      "value": "heloc",
      "name": "heloc",
      "description": "Home equity line of credit, second position."
    },
    {
      "value": "heloan",
      "name": "heloan",
      "description": "Fixed-rate home equity loan, second position."
    },
    {
      "value": "cash_out_refinance",
      "name": "cash out refinance",
      "description": "Refinance that returns equity as cash."
    },
    {
      "value": "construction",
      "name": "construction",
      "description": "One-close construction and renovation."
    },
    {
      "value": "renovation_203k",
      "name": "renovation 203k",
      "description": "FHA 203(k) and conventional renovation for owner-occupants."
    },
    {
      "value": "commercial_real_estate",
      "name": "commercial real estate",
      "description": "Office, retail, industrial, multifamily 5+ units, mixed use."
    },
    {
      "value": "equipment_financing",
      "name": "equipment financing",
      "description": "Business equipment up to $10M."
    },
    {
      "value": "reverse_mortgage",
      "name": "reverse mortgage",
      "description": "Borrowers 62 and over."
    },
    {
      "value": "unsure",
      "name": "unsure",
      "description": "Use this when the borrower does not know. A loan officer works it out."
    }
  ],
  "licensed_in": [
    "CA"
  ],
  "languages": [
    "English",
    "Spanish"
  ]
}