Loan Products
Choose the best fits for you on all the options that Homes & Loan offer to you.
Down Payment Assistance Loans
We offers one product with a repayable and forgivable option for your down payment.
- 600+ FICO
- Up to 99% LTV
- 3.5% or 5% forgivable for the borrower after 36 consecutive on time payments.
ITIN number Loans
This is a great solutions for people that have an Individual Tax Identification Number (ITIN) who are looking for a mortgage.
- Minimum down payment is required
- Gift Funds Allowed
- Use Tax Returns, Profit and Loss Statements, Bank Statements or Seasoned Assets to document income
- Quick closings
- Purchase or Refinance.
INVESTORS LOANS
This is the perfect product for investors looking to expand their real estate portfolio.
- 640+ FICO
- Up to 80% LTV
- Eligible for investment property purchases, rate/term and cash-out refinances
- Finance up to 20 properties
- Loan amounts up to $2M
- Minimum 12-months reserves required
- Minimum 2 months consecutive bank statements required.
Conventional Loans
We work with the #1 wholesale lender to provide the bestrate and a fast & easy process to help to buy your home.
- 620+ FICO
- Primary, second and investment properties
- Loan amounts up to county loan limit
- LTV's as high as 97% on purchase and rate/term refinances
- High Balance available for loan amounts over the county loan limit
- 2-1 and 1-0 Rate Buydowns available.
VA Loans
Serve those who have bravely served in the Armed Forces.
- 620+ FICO Up to 100% LTV
- Fixed term only
- Single family primary residence
- Purchase & cash-out refinance
- Available on single- and multi-wide, condos and PUDs.
FHA Loans
You could choose to be in a new level with industry-leading government rates and pricing.
- 640+ FICO
- Loan amounts from $125,000 up to county loan limits
- All fixed term mortgages
- Single family primary residences
- LTV's as high as 96.5% on purchase.
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