From DSCR and bank-statement lending to Conventional, FHA and Jumbo — browse specs, LTV and FICO minimums for every program we offer.
Qualify using the subject property's rental income instead of your personal tax returns or employment history. If the rent covers the payment, the loan works — no DTI, no income docs.
Built for self-employed borrowers. 12–24 months of personal or business bank statements establish qualifying income in place of tax returns.
Turn liquid assets — savings, investments, retirement accounts — into qualifying income, without a job or DSCR calculation.
A CPA-signed profit & loss statement replaces bank statements and tax returns entirely for qualifying income.
A CPA-signed P&L paired with supporting bank statements for added underwriting strength — the same 80% LTV ceiling as P&L Only, with more documentation behind it.
Built for commissioned salespeople, contractors and gig-economy earners. 1099 forms establish income without full tax-return underwriting.
US property financing for international borrowers with no US credit history, residency or visa required.
Fannie Mae / Freddie Mac agency financing for borrowers with standard income documentation — our lowest-rate, most straightforward option.
Government-backed financing with low down payment requirements — a strong fit for first-time buyers and borrowers rebuilding credit.
Zero-down financing for eligible veterans, active-duty service members and surviving spouses, backed by the Department of Veterans Affairs.
Zero-down financing for eligible rural and suburban properties, backed by the US Department of Agriculture.
Financing above conforming loan limits for higher-value properties, with competitive rates for well-qualified borrowers.
Roll purchase price and renovation costs into a single loan — finance the fixer-upper and the fix in one closing.
For homeowners 62+, convert home equity into tax-free cash flow while remaining in the home — no monthly mortgage payment required.
Grant and second-lien programs that reduce or eliminate out-of-pocket down payment for eligible first-time and income-qualified buyers.