Loan Programs

Every Loan,
Every Situation

We offer a full suite of residential and commercial loan programs.

Most Popular

Conventional

The most common loan type. Ideal for buyers with good credit.

Min. Down
3%
Min. Credit
620
Loan Limit
$766K
Eligible Uses
  • Primary residence, second home, investment
  • Single-family, condos, townhomes, 2–4 unit
  • Fixed rate (15, 20, 30yr) or adjustable (ARM)
  • No PMI with 20% down
FHA / VA

FHA / VA

Government-backed programs for first-time buyers and veterans.

FHA Down
3.5%
VA Down
0%
FHA Min. Credit
580
Key Benefits
  • FHA: Low down payment, flexible DTI ratios
  • VA: Zero down for eligible veterans and active military
  • Both: Competitive interest rates
  • Primary residence only
Investors

DSCR

Qualify based on rental income, not personal income.

Min. Down
20%
Min. DSCR
1.0
Min. Credit
660
Key Features
  • No personal income documentation required
  • Unlimited properties in your portfolio
  • Short-term rental (Airbnb/VRBO) income accepted
  • Single-family, condos, 2–4 units
Self-Employed

Bank Statement

For self-employed borrowers with complex tax returns.

Statements
12–24
Min. Down
10%
Min. Credit
640
Key Features
  • No W-2 or federal tax returns required
  • Personal or business bank statements accepted
  • Primary, second home, and investment
  • Ideal for entrepreneurs, freelancers, business owners
Commercial

Commercial Real Estate

Financing for offices, retail, warehouses, and multi-family.

Min. Down
25%
Terms
5–30yr
Types
Mixed
Property Types
  • Multi-family 5+ units
  • Office and professional buildings
  • Retail centers and strip malls
  • Industrial and warehouse facilities
Build Your Own

Construction

Finance new construction for primary, second, or investment.

Min. Down
20%
Draw Schedule
Staged
Lot + Build
Yes
Key Features
  • Interest-only payments during construction phase
  • Converts to permanent mortgage at completion
  • Finance lot purchase and construction together
  • Residential lot/land and agricultural lot options
Other Programs

Others / Otros

Don't see your loan type? We may have a specialized program for your unique situation.

Foreign National
✓
Fix & Flip
✓
Bridge Loans
✓
Additional Programs
  • Foreign national loans — no US credit required
  • Fix & flip short-term financing
  • Bridge loans for transitional property needs
  • Contact us to discuss your specific scenario
Property Types

We Finance
7 Property Types

Single Family

Primary, second home, or investment

Condos

Warrantable and non-warrantable

Multi-Family 2–4

Residential investment

Commercial 5+

Office, retail, warehouse

Construction

Primary, second, investment builds

Residential Land

Lot financing for future builds

Agricultural Land

Farm and agricultural lots

Not Sure Which
Loan Fits?

Tell us your situation and we'll match you with the right program.

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