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.



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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