Specialty Lending Programs

Not every lender can accommodate every borrower which is why flexible portfolio loan products are necessary to help all types of borrowers from owner-occupants to investors. In today's market, it is not uncommon to view properties listed for sale that were purchased just months ago for 20-30% less.

These are seasoning issues for most lenders but there are companies with special programs that have solutions. Those solutions include low documentation, cash out refinances right after purchasing a property and fix & flip loans.

Portfolio outside the box loans are a great option for home buyers and investors.

1 Year Tax Return
  • Must be self-employed with 640+ credit scores or W2 with 660+ credit scores
  • (Click for More Info)
Bank Statement Program
Liquid Assets over $500,000
  • No Job, No Income, No Tax Returns - up to 70% LTV
  • (More Info)
Loans After Foreclosure, Bankruptcy, or Short Sale
Low Down Payment Options
    0 down, 0.5% percent, 3%, 5%, and 10 percent down using FHA or conventional
    (More Info)
No Income Verification / Stated Income
  • A true "Stated Income" mortgage loan
  • Purchase with a 30% down payment
  • Learn more about the requirements - (more info)
Other Solutions
  • Have (1) or (2) 30-day mortgage late payments in last 12 months?
  • Refinance cash-out right after purchase
  • Financing for Foreign Nationals - (more info)
Investor Cash Flow
  • Qualify based on property's cash flow. No Job, No Income, & No Tax Returns.
  • (click for more info)
Investor Financing
  • Fix & Flip loans
  • Own 10 properties or more?
  • Cross Collateral
  • Stated Income for Investment properties ( click for details)
Commercial Financing
  • Apartment Building Loans - for 5 or more residential units up to 80% LTV based on the property's income and expenses.
  • Commercial Property - for office, industrial, self-storage, medical, hotel, motels, land lots, warehouse and more