American Financial Resources
ConventionalFHAVAUSDARenovation
FHA from 580 FICO · 3.5% down · DPA Advantage program for first responders, medical & educators. Renovation (203k) available.
Angel Oak
HELOCHELOANJumboBank StatementAssetsDSCR1099P&LITINForeign National5+ Unit MF DSCR
Non-QM DSCR: 640 FICO, 80% LTV, from $150K · Bank Statement: 12/24-mo, 90% LTV, $3M · MF DSCR: 5–50+ units, DSCR 1.0, 75% LTV, $500K–$10M · Foreign National available. Not available in NY.
Ardri
Bank StatementAssetsDSCR1099P&LITINBridgeForeign NationalNo RatioBS HELOC
DSCR: 620 FICO, 80% LTV, $3M · Bank Statement BS HELOC available · Foreign National, No Ratio, & Bridge programs. Broad Non-QM platform.
Axos Bank
JumboBank StatementAssetsDSCR1099P&LITINBridgeCross-Collateralization5+ Unit MF DSCR
DSCR: 640 FICO, 75% LTV, $3M · Bank Statement: 660 FICO, 85% LTV · MF DSCR: 5–50+ units, DSCR 0.75, 70% LTV, $500K–$20M · Cross-collateralization & bridge available.
BluePoint
ConventionalFHAVAHELOANJumboManufacturedBank StatementAssetsDSCR1099P&LITIN
BlueXPanded DSCR: 620 FICO, 85% LTV (SFR/2-4u), up to $3M · Bank Statement: 620 FICO, 90% LTV, $3.5M · ITIN: 600/no-score FICO, 85% LTV · Full submission docs required prior to LE.
Cake Mortgage
JumboManufacturedBank StatementAssetsDSCR1099P&LNon-Warr. CondoITIN5+ Unit MF DSCR
DSCR SFR/2-4u: 660 FICO, 80% LTV, $3M · Bank Statement: 660 FICO, 85% LTV, $3M · MF DSCR: 5–20 units, DSCR 1.0, 75% LTV, $250K–$5M · ITIN & Non-Warrantable Condo available.
Carrington
ConventionalFHAVAUSDAJumboBank StatementAsset DepletionDSCR1099P&LLow Credit (550+)
Investor Advantage DSCR: 620 FICO, 85% LTV, up to $3M, tiered DSCR pricing · Alt-doc from 550 FICO · 40-yr IO available · FHA/VA/USDA gov products. Full submission docs required prior to LE.
Champion Funding
JumboBank StatementAssetsDSCR1099P&LITINForeign NationalNo RatioFull-Doc
DSCR 1-4u: 600 FICO, 80% LTV, up to $3M · DSCR 5-8u: 700 FICO, 75% LTV, up to $2M · ITIN DSCR: 660/no-score FICO, up to $1M · Foreign National & No Ratio available.
Change
HELOANJumboBank StatementAssetsDSCR1099P&LITINForeign NationalNo Ratio
DSCR: 620 FICO, 80% LTV, $3M · Bank Statement: 660 FICO, 85% LTV · Foreign National & No Ratio available · HELOAN available.
ClickNClose
ConventionalFHAVAUSDAJumboConstructionRenovationDPAOne-Time Close
One-Time Close · As low as 0% down (VA OTC) · 3.5% down (FHA OTC) · DPA programs available · Renovation lending available.
Credit Human
Manufactured (Chattel)
Manufactured home specialist — chattel & land-home · 5% down min · 700 FICO · Up to 95% LTV (land-home) · Competitive rates for factory-built housing.
Freedom
ConventionalFHAVAUSDAJumboCoopsManufactured
FHA from 550 FICO · VA 100% LTV · USDA 100% LTV · Conventional with Coops & Manufactured · CA, FL & TX dual-capacity states only. No HELOC, New Construction, or Non-QM.
Fund Loans
JumboBank StatementAssetsDSCR1099P&LITIN
Apex Bank Statement/P&L: 660 FICO, 90% LTV, $300K–$6M · DSCR Arete: 700 FICO, 80% LTV · Jumbo up to $6M · Full Non-QM suite with ITIN & 1099.
JMAC
ConventionalFHAVAJumboManufacturedBank StatementAsset DepletionDSCR1099P&L
DSCR: up to $3.5M, DSCR ≥ 1.0, no-ratio options, mixed-use eligible · Asset Depletion & Utilization · Bank Statement 12/24-mo · Conventional & Gov agency suite.
Kind Lending
ConventionalFHAVAUSDAHELOCJumboCoopsManufacturedBank StatementAssetsDSCR1099P&LNon-Warr. CondoITINReverse1-Yr Self-EmployedDPA Grants
Jumbo up to $3M · DSCR up to $3.5M, SFR to MF · HELOC available · Grants & second lien DPA · Reverse mortgage · 1-yr self-employed · ITIN · Min 580 FICO. One of our broadest lenders.
Lendsure Mortgage Corp
JumboConstructionRenovationBank StatementAssetsDSCR1099P&LNon-Warr. CondoFix & FlipBridgeCondotel5+ Unit MF DSCR
Jumbo: 90% LTV to $1M · 80% LTV to $1.5M · Asset Qualifier: 660 FICO, 80–90% LTV · DSCR SFR/MF: 620 FICO, 75% LTV, $250K–$15M · Fix & Flip, Bridge, Condotel, & Construction all available.
LimaOne
ConstructionRenovationFix & FlipBridge
Fix & Flip: up to 95% LTC, 100% rehab budget, $100K–$5M, 13–24 month terms · Construction & Renovation · Asset-based, no income docs required · Investor-only lender.
Loan Store
ConventionalFHAVAHELOCJumboConstructionBank StatementDSCRNon-Warr. CondoFix & FlipBridge5+ Unit MF DSCR
DSCR SFR/2-4u: 680 FICO, 80% LTV, $250K–$3M · DSCR 5-8u: 680 FICO, 70% LTV, $250K–$2M, DSCR ≥ 1.0 · HELOC funded in as few as 5 business days · Fix & Flip & Bridge via Old North Capital.
Mortgage Financial Services
ConventionalFHAVAUSDA
Agency-only lender · Conventional, FHA, VA & USDA · Full government product suite · Competitive pricing on conforming loans.
New Rez
ConventionalFHAVAUSDAJumboCoopsManufacturedBank StatementAsset DepletionDSCR1099Non-Warr. CondoDoctor Loans40-Yr I/ONo FICO
SmartSelf Bank Statement: 660 FICO, 90% LTV, up to $3M · SmartVest DSCR: 600 FICO, DSCR 1.0, up to $2M, 20 financed props allowed · 40-yr I/O · Doctor Loans · No FICO options · USDA 100% & Conv 97% LTV.
NewFi
ConventionalHELOANJumboBank StatementAssetsDSCR1099P&LNon-Warr. CondoITINGraduated Payment Mortgage
Artemis DSCR: 640 FICO, DSCR 1.0, 80% LTV, $150K–$3M · Hercules Non-QM: 660 FICO, 90% LTV, up to $3.5M (620 FICO at 85% LTV / $2M) · Graduated Payment Mortgage available. Not available in NY. Full submission docs required prior to lock.
NFTYDoor
HELOC
HELOC specialist · Fast fully-digital process · Primary residence & second homes · Competitive HELOC rates. HELOC product only.
Normandy
ConstructionRenovationBridgeLand / Lot Loans
Land & Lot Loans · Bridge Loans · Construction & Renovation · Specialist for hard-to-place land and transitional lending scenarios.
OakTree Funding
HELOCHELOANJumboBank StatementAssetsDSCR1099P&LITINBlanket / Cross-Collateralized5+ Unit MF DSCR
DSCR: 620 FICO, 80% LTV · MF DSCR: 5–100+ units, DSCR 0.75, 75% LTV, $500K–$20M · Blanket & Cross-Collateralized portfolios · HELOC & HELOAN available · ITIN available.
Orion
ConventionalFHAVAUSDAJumboManufacturedBank StatementAssetsDSCR1099P&LNon-Warr. CondoITINDoctor Loans
COIN DSCR: as low as DSCR 0.01, MF up to $20M, mixed-use eligible · Bank Statement: 660 FICO, 90% LTV · Doctor Loans · ITIN · Full submission docs required prior to lock for DSCR programs.
PennyMac
ConventionalFHAHELOANJumboManufactured
Conventional from 3% down · FHA from 580 FICO · HELOAN available · Manufactured homes · Competitive conventional pricing. No Non-QM. Not available in NY.
Plaza Home Mortgage
ConventionalFHAVAUSDAHELOANJumboCoopsRenovationBank StatementAssetsDSCR1099P&LReverse
Solutions Non-QM 1/3/4: 660 FICO, 90% LTV, up to $3M · DSCR IS Series: 660–680 FICO, 80% LTV, $100K–$3M, STR eligible · Reverse mortgage · Full agency suite including Coops & USDA.
PRMG
ConventionalFHAVAUSDAHELOCJumboManufacturedBank StatementDSCRNon-Warr. CondoForeign NationalDPA — Chenoa / CALHFA
Bank Statement: 12/24-mo, 660 FICO, 90% LTV · DSCR available · Chenoa FHA DPA · CALHFA · State DPA programs in CA, CO, FL, UT & WI · HELOC available (no broker comp) · Foreign National.
Provident Funding
ConventionalJumbo
Conventional-only · Competitive conventional & jumbo pricing · Conforming loan specialist · No FHA, VA, or Non-QM products.
Rocket
ConventionalFHAVAHELOANJumboCoopsManufacturedBank StatementAssetsNon-Warr. Condo40-Yr I/ODPA Grants
Bank Statement Non-QM · Asset Qualifier · 40-yr I/O · DPA grants & second lien · HELOAN available · Coops & Manufactured · Min 580 FICO · No VA product.
SpringEq
HELOCHELOANDSCR
HELOC: 660 FICO primary / 700 FICO investment · Up to 90% LTV (primary) · $50K–$400K · 5-yr interest-only draw period · DSCR investment HELOC available · HELOC/HELOAN products only.
Windsor
ConventionalFHAVAUSDAJumboCoopsManufacturedBridgeDPA — CALHFAMultiple DPA Programs
Multiple DPA programs including CALHFA · CALHFA eligibility calculators available · Full agency suite with Coops & Manufactured · Bridge available · FHA min 600 FICO.