Home Loan Programs

Non-Traditional Loans for Business Owners

Non-traditonal loan programs offer a flexible alternative to conventional mortgages, typically using alternative income documentation for loan approval. For business owners, navigating the mortgage process can be complex due to fluctuating income and extensive tax deductions. Private mortgage companies offer these options to entrepreneurs and business owners, avoiding the red tape of big banks and conventional lending guidelines.

Asset Based Loans for Real Estate Investors and Landlords

Asset based loans focus on the property, not personal income for loan qualification. This makes them especially attractive for self-employed investors, people with complex income streams, and experienced investors with multiple properties. Asset based loans can help bypass limitations on the number of mortgages allowed by conventional lenders and banks, enabling rental portfolio expansion.

Conventional Loans

Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.

FHA Loans

It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

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2106 Mathews #B Redendo Beach, California 90278

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