BoniFi Home

Home Loans Built Around You

Whether you're buying your first home, refinancing, or tapping equity — we shop 100+ lenders to find the loan that actually fits your situation

Conventional

As low as 1% down options

Strong rates & predictable terms

Great for well-qualified borrowers

FHA

3.5% down options

Lower credit score requirements (580)

Great for first-time buyers

VA

0% down for eligible veterans

No PMI required

Competitive rates & flexible qualifying

HELOC

Tap home equity for flexible funding

Borrow as needed

Close in as little as 5 days

Refinance

Lower your rate or shorten term

Borrow as needed

Drop PMI when you have equity

Non-QM/ Jumbo

Bank statement, 1099, and WVOE programs

Asset-only & no-income options

Jumbo loans up to $10M+

Why Choose BoniFi Capital?

Multiple Lenders

We compare over 100 lenders to help you secure the best terms, regardless of the scenario.

Fast Turn Times

Quick pre-approvals, on-time closings, and clear communication every step.

Personalized Guidance

Direct access to Josiah and the BoniFi team — from application to closing.

Ready to get started?

Have a question or ready to apply? Either way, we're here. Tell us about your situation and we'll come back with real options

BoniFi Capital

©2026 BoniFi Capital LLC. NMLS 2664654.
All rights reserved.

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

BoniFi Capital is a mortgage brokerage. All loans arranged through third-party lenders. Rates and terms subject to change.

Not all programs available in all states.
Currently serving PA, FL, and DSCR investors nationwide in 40+ states.

Matthew 22:37-39