Our specialty is the self-employed
borrower; we have loan programs to fit
your financial needs.
No Income Verification
- No Tax Return Required
- 30% Down payment
- Loan Amounts Up to 5 Million
Bank Statement Program
- No P&L Statement is required
- Separate Personal and Business Accounts
- Qualify with Business Bank Statements
No Ratio Mortgages
- Loan-to-value ratio as high as 75%
- Up to 100% of borrower funds from gifts
- No restrictions on cash-out financing
Investment Properties
- Loan amounts from $100,000 to $2,000,000
- 85% LTV
- Unlimited financed properties
Home Style Renovation Program
- Available For Up To 80% LTV
- Own Up To 4 Financed Properties
- No Minimum Repair Amount Required
Back to Work Program
- Good credit history
- Financing solution for the right borrowers
- FHA loan requirements
Co-Op Purchase Loans
- Purchase or Refinance at 95% Financing
- Investment andSecond Home Co-Ops
- 24 years of Coop Financing
Stated Income
- Loan Amounts up to $2 million
- Up to 65% loan-to-value
- Purchase or refinance
Foreign National Mortgage
- Qualify full doc OR assets only
- No work visa required
- No income documentation required
Stated Income Mortgages
- 75 percent loan-to-value
- 30-day closing time
- Wide range of commercial property types
Fannie Mae Mixed Use Mortgage
- Borrower is primary owner operator
- Must occupy property as primary residence
- Mortgage loans for mixed use properties
SBA Loans
- Purchase, Refinance, Rehab & Construction
- 100% LTV
- Financing for small business
NIVA
- No Income / No Employment Needed
- Up to 65 LTV – 680 FICO
- 1 Month Recent Bank statement
CashFlow Program
- Generate income from investment property
- Purchase a rental property
- Refinance proceeds for business use
Asset Utilization Loan Program
- Increases your loan amount
- Liquid assets qualify
- Non-traditional income streams qualify
Church Loan Financing
- Borrower is primary owner operator
- Must occupy property as primary residence
- Mortgage loans for mixed use properties
Mixed-Use Property Financing for Primary Residence
- FHA financing for a mixed-use property
- Combined office/living space
- Commercial finance with a residential loan
Business Lines of Credit
- Increase inventory
- Purchase necessary business equipment
- Manage cash flow
Land/ Farm Loans
- Unconventional structures
- Experts in rural financing
- Competitive pricing and flexible programs
No Income Verification For Coops
- Loans available for up to $2 million
- 60 percent loan-to-value for jumbo loans
- No Income verification
Jumbo Construction Loans
- Loan-to-value ratio is 90 percent
- Only interest during the construction period
- One-time closing
Qualify with 1 Year Income
- Loans from $100,000 – $3,000,000
- Foreign Nationals permitted
- All occupancy types allowed
Personal Bank Statement Loans
- Loans up to $2,500,000
- Cash-out option up to $1,000,000
- Minimum credit score of 620
Streamline Refinance – No Doc
- No credit score is required
- No Social Security Number
- No green card
Streamline Refinance – No Doc
- Close in less than 20 DAYS!
- Loans to $3,000,000
- Max LTV: 80% with 700 FICO
Contact Houz Mortgage Today!
We treat our clients as individuals. We believe that borrowers with nontraditional income sources shouldn’t have to jump through multiple hoops to achieve their real estate goals. If you are a property investor who wants to add to your portfolio, contact us today to learn more about our DSCR Mortgage!
Connect with one of our loan consultants for more information.