Loan Programs
There are several types of loan programs available, each with its own features, benefits, and eligibility requirements. Here are some of the most common loan programs:
Loan Programs
Hard Money Loans
Speed, flexibility, or financing that doesn't fit traditional bank guidelines
- Fast closings
- No tax returns required
- Streamlined approvals
- Flexible underwriting
- Asset-based lending options
- Great for time-sensitive acquisitions
Bridge Loans
Short-term financing while transitioning between properties or financing events
- Quick access to capital
- Temporary financing solution
- Purchase before selling existing property
- Covers financing gaps
- Flexible repayment structures
- Fast underwriting process
Conventional Commercial Loans
Stabilized properties and borrowers seeking long-term financing
- Competitive interest rates
- Longer loan terms
- Higher leverage options
- Suitable for owner-users and investors
- Predictable monthly payments
- Ideal for property portfolio growth
Investment Property Loans
Real estate investors purchasing or refinancing income-producing assets
- Designed for rental properties
- Financing for experienced and first-time investors
- Multiple property types accepted
- Cash-flow focused solutions
- Refinance and acquisition options
- Portfolio expansion opportunities
Non-QM Loans
Self-employed borrowers and business owners who don't fit traditional lending standards
- Alternative income documentation
- Bank statement programs
- Profit & Loss options
- Flexible qualification requirements
- Business owner friendly
- Faster approvals than many traditional lenders
Foreign National Loans
International investors purchasing U.S. real estate.
- No U.S. tax returns required
- No U.S. credit history needed
- Financing for investment properties
- Streamlined documentation
- Access to U.S. commercial real estate opportunities
- Flexible borrower structures
DSCR Loans
Qualify using property cash flow rather than personal income
- No personal income verification
- Qualification based on rental income
- Investor-focused underwriting
- Multiple property financing available
- Simplified approval process
- Great for portfolio investors
Cash-Out Refinance
Property owners looking to unlock equity
- Access equity without selling
- Reinvest into new opportunities
- Business expansion funding
- Property improvement capital
- Debt consolidation options
- Flexible loan structures
Commercial Purchase Financing
Businesses and investors acquiring commercial real estate
- Flexible financing structures
- Acquisition-focused solutions
- Investor-friendly underwriting
- Experienced guidance throughout the process
- Access to multiple lending sources
Each loan program has its own unique features and requirements, so it's important for homebuyers to research and compare their options carefully to find the loan that best suits their financial needs and goals.