Widely used by investors for rental properties and second homes, conventional loans require higher down payments (typically 20-25%) and solid credit scores but offer competitive rates and long-term financing.
Read MoreInsured by the Federal Housing Administration, FHA loans are designed for first-time homebuyers or those with lower credit scores. They offer lower down payment options and more lenient credit requirements.
Read MoreAvailable to veterans, active-duty military, and their families, VA loans are guaranteed by the Department of Veterans Affairs. They often require no down payment and offer competitive interest rates.
Read MoreThese are designed for buyers in rural or suburban areas and are backed by the U.S. Department of Agriculture. USDA loans typically offer no down payment and lower interest rates for qualifying borrowers.
Read MoreA loan for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. Jumbo loans are used for luxury homes or in high-cost areas, requiring higher credit scores and larger down payments.
Read MoreThis loan features an interest rate that adjusts periodically after an initial fixed-rate period. It's ideal for those planning to sell or refinance before the rate adjusts.
Read MoreA traditional mortgage where the interest rate remains the same throughout the loan term, offering stability and predictability in monthly payments.
Read MoreA second mortgage where the borrower receives a lump sum, repaid at a fixed interest rate over a set period, often used for home improvements or large expenses.
Read MoreThis loan allows the borrower to pay only the interest for a certain period, followed by larger payments that include both principal and interest. It’s often used by investors or buyers with fluctuating income.
Read MoreAvailable to homeowners aged 62 and older, a reverse mortgage allows them to borrow against their home’s equity without needing to make monthly payments. The loan is repaid when the homeowner sells or passes away.
Read MoreInvestor Loan Products
Widely used by investors for rental properties and second homes, conventional loans require higher down payments (typically 20-25%) and solid credit scores but offer competitive rates and long-term financing.
Read MoreDesigned for short-term property flips, these loans provide quick access to funds for purchasing and renovating properties. They have higher interest rates and are structured for fast repayment after the property is sold.
Read MoreIdeal for real estate investors, this loan is based on the property’s cash flow rather than the borrower’s personal income, making it a good fit for those with multiple investment properties.
Read MoreA short-term loan secured by the investment property, hard money loans are often used by investors for fast financing or for properties in need of significant renovation. They come with higher interest rates and flexible terms from private lenders.
Read MoreThis loan is held by the lender rather than sold on the secondary market, providing more flexibility. Portfolio loans are great for investors with multiple properties or complex financial situations, allowing for creative financing structures.
Read MoreA short-term loan used to “bridge” the gap between purchasing a new property and selling an existing one. Investors use bridge loans for quick transactions or when they need immediate capital to seize an opportunity.
Read MoreInvestors can leverage the equity in an existing property to finance new real estate purchases. A Home Equity Loan provides a lump sum, while a HELOC offers a revolving line of credit for ongoing investment needs.
Read MoreUsed for purchasing multifamily units, office buildings, or other commercial properties, these loans typically have different terms and structures compared to residential loans, and they are based on the property’s income-generating potential.
Read MoreAlthough primarily for owner-occupants, this loan can also benefit investors who plan to live in one unit of a multifamily property while using the funds to renovate other units. It allows for renovation financing wrapped into the mortgage.
Read MoreThis loan allows investors to finance multiple properties under a single mortgage. It’s an efficient way for real estate investors with large portfolios to manage multiple properties without juggling separate loans.
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