Loan Types Learn what kind of mortgages we offer
Are you self-employed, a foreign national or working under an ITIN, or currently have a high interest rate and looking for a better mortgage?
If so, you’ve come to the right place ...and we can close in 2 weeks!
Self-Employed
If you own your own business, are a consultant or don’t earn your income through a corporate job, a self-employed mortgage may be a fit for you.
- Newly self-employed acceptable
- 12 months personal bank statements
- Primary and secondary residences
- Credit score of 625+
- Minimum 10% down payment
Foreign National
If you are a citizen of another country who earns your income from outside the USA but want to purchase a residence in the United States, a Foreign National mortgage may be a fit for you.
- U.S. tourist visa OK
- Primary and secondary residences
- Foreign credit report or 3 to 4 foreign alternate credit letters
- Minimum 20% down payment
ITIN (Tax ID)
If you file your US tax return under an ITIN (Individual Tax Identification Number) then an ITIN mortgage may be a fit for you.
- Loan amounts $250,000+
- Matricula Consular, Drivers License (Foreign or US), or other government-issued ID is acceptable – Passport or US Visa not required.
- Primary residences only
- Bank statements allowed for income verification
- Minimum 20% down payment
Refinancing
If you have a “Hard Money” or “SubPrime” mortgage with a high rate and have improved your credit, you may be able to obtain a new mortgage with better terms.
- Good payment history on all debts including current mortgage required
- Bank statements ok for income verification
- Primary and secondary residences
- Credit score of 625+
- Loan sizes up to 90% of the value of the home