Buying a home to live in?
Owner Occupant Financing for 1-4 Unit Residential Real Estate
Purchasing a place to call home should be an option for everyone. In today’s mortgage market, there are many ways to get approved and we make the process flow smoothly with effective communication and a dedicated processor for each transaction.
Modern and Ready
With so may different wage earners, from salary, w-2 and 1099, to gig workers, entrepeneurs and those with only assets, we have made ready enough alternative documentation programs to match each modern qualifying applicant with a loan that has the highest approval potential.
Residential Mortgages
Home Buyer Options
We provide owner-occupant financing for all residential properities that are 1-4 units including any house, townhouse, condominium, duplex, triplex, quads, or manufactured homes.
Loans for homeowners
- Up to 100% financing*
- Competitive interest options
- Fixed and adjustable rates
- Loans up to $5,000,000
- Secure application portal
- Down payment assistance programs
- Pre-approval letter issued to strengthen your purchase offers
Loan Types and Terms
- Conventional, FHA, USDA & VA
- Credit Scores from 500*
- Cash-Out Credit from 540*
- Bank statement loans
- P&L loans with no bank statements
- 1099 income loans
- 5/1 ARM, 7/1 ARM, 15/30-year fixed
- Home equity credit line or fixed 2nd
- Renovation loans to update home
- Closings in as little as 11 business days after application and docs completed
Frequently Asked Questions
Residential Home Loan Q&A
Below are the most common questions about financing real estate for yourself to live in.
How can I find out if I qualify for a home loan?
To find out if you qualify for a home loan, tap on the apply now button to start a free and secure loan portal account. Inside your private portal, you will be able to add our personal info, upload identification and proof of income. Then, we will run a soft pull of your credit to find out your mid-score and calculate your debt to income ratio (DTI). The information you provide along with your credit report will be enough to determine if you qualify and what you qualify for.
Do you need to be a U.S. Citizen?
Borrower eligibility is for U.S. Citizens, Permanent Resident Aliens and Foreign Nationals with an ITIN.