Purchase Loans
For borrowers preparing to purchase a primary residence, second home, or eligible investment property.
Loan options built around what you are trying to accomplish.
Whether you are buying, refinancing, investing, or working with non-traditional income, the first step is understanding which loan path may fit your situation.
Start simple
Pick the closest path. We can help sort out the rest.
- Buying, refinancing, or accessing equity
- Self-employed and alternative documentation files
- Investor, DSCR, foreign national, and ITIN reviews
Start here
What are you looking to do?
Choose the option that comes closest to your goal. You can provide more details when you start your inquiry.
Start with the type of financing you need.
Refinance Loans
For homeowners or investors looking to replace an existing mortgage, review their current terms, or restructure financing.
Best for
- Reviewing current loan terms
- Changing loan structure
- Investment-property refinancing
- Long-term financing review
Cash-Out Refinance
For eligible homeowners or investors who want to access part of the equity in a property while refinancing the existing loan.
Best for
- Property improvements
- Business or investment needs
- Debt restructuring
- Liquidity planning
Home Equity Line of Credit
A revolving credit option that may allow eligible homeowners to access available home equity as needed.
Best for
- Ongoing access to funds
- Home improvements
- Planned expenses
- Flexible borrowing needs
Alternative documentation
Options for borrowers whose income does not fit a standard file.
Traditional income documentation does not reflect every borrower’s financial situation. Alternative documentation programs may be available depending on the lender, property, and complete loan file.
Bank Statement Loans
May allow eligible self-employed borrowers to use qualifying business or personal bank-statement deposits as part of the income review.
Suitable for
- Business owners
- Independent professionals
- Self-employed borrowers
- Borrowers with variable income
Self-Employed Borrower Options
Financing paths may be available for borrowers whose tax returns do not fully reflect current cash flow or business performance.
Suitable for
- Sole proprietors
- Business owners
- Contractors
- Commission-based professionals
Non-QM Solutions
Non-QM programs may provide additional ways to review income, assets, property cash flow, residency, or borrower circumstances.
Suitable for
- Complex income
- Alternative documentation
- Unique borrower profiles
- Non-standard property or loan situations
Foreign National and ITIN Options
Specialized programs may be available for eligible borrowers who do not follow the standard U.S. citizen or conventional-credit profile.
Suitable for
- Foreign nationals
- ITIN borrowers
- International investors
- Borrowers with limited U.S. credit history
Financing for real-estate investors and income-producing properties.
DSCR Investor Loans
Qualification may focus primarily on eligible rental income and property cash flow rather than the borrower’s traditional personal-income documentation.
Suitable for
- Rental property investors
- Residential investment properties
- Purchase or refinance scenarios
- Portfolio expansion
Investment Property Purchase
For investors preparing to acquire a residential property intended to generate rental income or support a broader investment strategy.
Suitable for
- Single-family rentals
- Condominiums
- Eligible multi-unit residential properties
- New investment acquisitions
Investment Property Refinance
For investors reviewing long-term financing, equity access, or a change in the current loan structure for an existing property.
Suitable for
- Rate-and-term review
- Equity access
- Portfolio restructuring
- Property stabilization
Not sure yet?
Start with your situation.
You do not need to choose the exact loan program before contacting us. Tell us what you are trying to accomplish, how your income is documented, and what type of property is involved.
You do not have to figure it out alone.
Tell us your goal
Let us know whether you are buying, refinancing, investing, or accessing equity.
Share the basic details
Provide early information about the borrower, property, income type, and requested loan amount.
We review possible loan paths
We look at the overall file and identify which types of programs may be worth discussing.
You receive clear next-step guidance
We explain what additional information may be needed and how to move forward.
What information may help with an initial review?
The exact documentation depends on the loan program and borrower file. At the inquiry stage, we only need enough information to understand the general request.
Property address or target areaEstimated property value or purchase priceRequested loan amountLoan purposeEstimated credit rangeIncome typeAvailable down payment or equityOccupancyTimelineNotes about the borrower or property situation
Do not send Social Security numbers, complete bank statements, tax returns, card details, or other highly sensitive documents through a general website inquiry unless a secure process has been provided.
Questions
Common questions before you apply.
Start with what you know. The review depends on the full borrower, property, documentation, and lender requirements.
Do I need to know the exact loan program before applying?
No. Start by describing what you are trying to accomplish. The available program path depends on the full borrower, property, documentation, and lender review.
What is a Non-QM loan?
Non-QM refers to mortgage programs that may use different qualification methods from standard conventional lending. The exact requirements vary by lender and file.
Can self-employed borrowers use bank statements?
Eligible bank-statement documentation may be considered under certain programs. The required statement period and qualifying method vary by lender.
What is a DSCR loan?
A DSCR loan is generally designed for eligible investment properties and may focus primarily on rental-income performance rather than traditional personal-income documentation.
Can foreign nationals or ITIN borrowers apply?
Specialized options may be available depending on residency, credit, property, documentation, and lender requirements.
Can I apply if I am not sure about my credit score?
Yes. You can provide an estimated range during the initial inquiry. A formal credit review would occur only through an approved process.
Does submitting an inquiry guarantee approval?
No. An inquiry starts the review process. Approval, rates, terms, documentation, and program availability depend on underwriting and lender requirements.
Ready to discuss your loan options?
Tell us what you are trying to do, and we will help you understand the next step.
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.