Loan Products
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Available Loan Programs
Non-Permanent Resident Mortgages
Conventional home financing for eligible H-1B, H-4 EAD and other work-authorized visa holders
Key Features:
- •A green card is not required
- •H-4 EAD employment income may qualify
- •Legal presence and work authorization reviewed
- •Income and credit documentation required
Who it's for:
Eligible non-permanent residents buying a home, subject to underwriting
Conventional Loans
The most popular mortgage option with competitive rates and flexible terms
FHA Loans
Government-backed loans perfect for first-time homebuyers
Key Features:
- •Down payments as low as 3.5%
- •Lower credit score requirements (580+)
- •Flexible debt-to-income ratios
- •Assumable loans
Who it's for:
First-time buyers or those with limited down payment savings
USDA Loans
Rural development loans with zero down payment for eligible areas
Key Features:
- •$0 down payment for eligible properties
- •100% financing available
- •Competitive interest rates
- •Income limits may apply
Who it's for:
Buyers in eligible rural and suburban areas with moderate income
VA Loans
Exclusive benefits for veterans, active military, and eligible spouses
Key Features:
- •$0 down payment required
- •No private mortgage insurance (PMI)
- •Competitive interest rates
- •Limited closing costs
Who it's for:
Veterans, active-duty service members, and qualified surviving spouses
Jumbo Loans
Financing for luxury homes and high-value properties
Key Features:
- •Loan amounts exceeding conforming limits
- •Competitive rates for qualified borrowers
- •Flexible terms and structures
- •Available for primary and secondary homes
Who it's for:
Buyers purchasing properties above $850,000
Refinance
Lower your rate, reduce your term, or tap into your home's equity
Key Features:
- •Rate-and-term refinancing
- •Cash-out refinancing available
- •Streamline options for FHA/VA loans
- •Potential to eliminate PMI
Who it's for:
Current homeowners looking to optimize their mortgage
Rate Buydown Options
Compare permanent discount points with 1-0, 2-1, and 3-2-1 temporary payment buydowns
Key Features:
- •Permanent rate reduction with discount points
- •Lower early payments with temporary buydowns
- •Seller and builder concessions may fund the cost
- •Side-by-side cost and breakeven comparison
Who it's for:
Buyers comparing upfront cost, early payment relief, and long-term savings in today's rate environment
Non-QM Loans
Bank statement and non-QM home loans for self-employed borrowers
Key Features:
- •Bank statements in place of tax returns
- •No-income-documentation option for primary homes
- •Credit, assets and property reviewed
- •Subject to underwriting and program guidelines
Who it's for:
Self-employed individuals, real estate investors, or those with non-traditional income
No Income Documentation Loans
Built for borrowers a traditional income checklist leaves out. Qualify on your credit, equity and reserves.
Key Features:
- •No tax returns, W-2s, pay stubs or employment verification
- •Primary residences and second homes, $100,000 to $3,000,000
- •640 minimum credit score; down payment and reserves required
- •Open to U.S. citizens, permanent residents and eligible visa holders
Who it's for:
Self-employed borrowers, retirees, visa holders and others whose income is real but hard to document. Rates are higher than on conventional loans.
DSCR Loans
Investment property financing that qualifies based on rental income, not personal income
Key Features:
- •No personal income or tax returns required
- •Qualify using property's rental cash flow
- •Available for single-family, multi-unit, and short-term rentals
- •Ideal for scaling a real estate portfolio
Who it's for:
Real estate investors and landlords growing a rental portfolio
Doctor Loans (Up to 100% LTV)
Specialized financing for medical professionals with minimal down payment
Key Features:
- •Up to 100% loan-to-value financing
- •No PMI required despite low down payment
- •Student loan debt considerations
- •Competitive rates for physicians
Who it's for:
Physicians, dentists, and medical professionals
Reverse Mortgages
Convert home equity into cash — no monthly payment required, for homeowners 62+
Key Features:
- •No required monthly mortgage payment
- •FHA-insured, non-recourse protection
- •Flexible payout: lump sum, credit line, or monthly
- •You keep the title
Who it's for:
Homeowners 62+ looking to access equity without selling or taking on a new payment.
Commercial Loans (SBA)
Financing solutions for business properties and commercial real estate
Key Features:
- •SBA 7(a) and 504 loan programs
- •Commercial real estate financing
- •Business acquisition loans
- •Competitive terms for qualified businesses
Who it's for:
Business owners and commercial real estate investors
HELOC
Home Equity Line of Credit for flexible access to your home's equity
Key Features:
- •Revolving line of credit
- •Interest-only payment options
- •Use funds as needed
- •Potential tax benefits
Who it's for:
Homeowners with significant equity needing flexible financing
Frequently Asked Questions
Ready to Find Your Perfect Loan?
Our loan experts will help you compare options and choose the best mortgage for your needs.
Toll Free: 1-866-666-2378 (866-666-BEST)
Loan programs by state
These programs are available through our Illinois mortgage company, Texas mortgage company, Florida mortgage company, and Georgia mortgage company pages. For local detail, see Naperville mortgage lending, Chicago home loans, Houston mortgage options, Tampa home financing, or Atlanta home loans.
Related Reading
No Income Docs, No Employment Docs: A New Way to Qualify for a Mortgage
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Read articleDenied by a Bank? Why a Non-QM Loan Might Be Your Path to the Home You Want
Non-QM loans use flexible underwriting — bank statements, assets, 1099s, or rental income instead of just tax returns. Here's how they work.
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The improved 2026 insurance environment, top markets like Tampa and Orlando, STR income rules, and what actually moves your DSCR ratio.
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Read articleH-4 EAD Spouse Income for a Mortgage (2026)
How H-1B families can combine H-4 EAD spouse income for conventional mortgage qualification — and why FHA is no longer an option.
Read articleH-1B & NRI Mortgage Guide 2026
Visa-holder and non-resident borrower playbook: down payment, docs, and how to qualify with foreign income.
Read articleNo Income? No Problem: DSCR Loans in 2026
How investors qualify for rental-property financing on rental income alone - no W-2, no tax returns.
Read article