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Mortgage Loan Programs

Loan Programs

Flexible mortgage solutions for your home, investment, or business.

Our Loan Programs

Find the right mortgage solution for your goals.

Conventional Loans

Flexible options for primary homes and investment properties.

Non-QM Loans

Flexible financing options with alternative qualification and documentation.

FHA Loans

Low down payment options with flexible credit requirements.

DSCR Investor Loans

Financing based on property cash flow for real estate investors.

Foreign National Loans

Mortgage options for international buyers investing in the U.S.

Hard Money Loans

Financing options for real estate investment projects.

Refinance Loans

Explore rate and term, cash-out, and hard money refinance options.

Not Sure Which Loan Program Is Right for You?

Our team will help you explore your options and find a solution based on your goals and financial situation.

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Conventional Loans

A conventional mortgage is not insured or guaranteed by a federal government loan program. Conventional loans can be conforming or nonconforming; a conforming loan follows the applicable Fannie Mae or Freddie Mac requirements.

What to consider

  • Purchase and refinance options may be available for eligible properties and occupancy types.
  • Down payment, credit and documentation requirements depend on the lender and program.
  • Mortgage insurance may apply depending on the loan structure and equity.
  • Conventional, conforming and qualified mortgage describe different aspects of a loan.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Non-QM Loans

A non-qualified mortgage (Non-QM) is a mortgage that does not meet the applicable qualified-mortgage criteria. These programs may offer alternative ways to document income or evaluate an eligible borrower.

Types of Non-QM Loans

  • DSCR Loans
  • 12/24-Month Bank Statement Loans
  • ITIN Loans
  • 1- or 2-Year Profit & Loss (P&L) Loans
  • 1- or 2-Year Full-Documentation Non-QM Loans
  • 1099 Loans
  • Written Verification of Employment (WVOE) Loans
  • Asset Utilization Loans

Available programs and qualifying documentation vary by lender. Some options, including DSCR, are designed for eligible investment-property transactions. Contact LendEase to confirm the program suited to your loan purpose and circumstances.

Borrowers Who Can Consider a Non-QM Loan

Non-QM loans may be an option for borrowers who do not meet traditional lending criteria but can manage the required down payment and monthly payments. You might consider a Non-QM loan if:

  • You’re a contractor, self-employed, retired, or otherwise unable to meet traditional income documentation requirements.
  • You’ve recently experienced a major credit event, such as foreclosure or bankruptcy.
  • You’re a landlord seeking a program that considers eligible rental income or property cash flow, subject to the lender’s rules for the property and loan purpose.
  • More than 43% of your income goes toward paying monthly debts.

These loans offer flexibility for unique financial situations and may help you explore financing suited to your needs.

These examples do not establish eligibility or guarantee approval. A debt-to-income ratio above 43% does not by itself determine whether a loan is Non-QM. Documentation, credit-event waiting periods, debt-to-income limits, down payment and ability-to-repay requirements vary by lender and program. Investment-property cash-flow programs and owner-occupied financing have different requirements.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

FHA Loans

FHA loans are insured by the Federal Housing Administration and offered through participating lenders. They may be an option for eligible first-time or repeat homebuyers purchasing a principal residence.

What to consider

  • Borrowers must meet applicable credit, income, property and occupancy requirements.
  • FHA mortgage insurance generally includes upfront and annual charges.
  • Eligibility after past credit events depends on program requirements and lender review.
  • FHA financing is generally for a principal residence, rather than a vacation home or investment purchase.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

DSCR Investor Loans

Powerful DSCR Financing. More Ways to Invest.

Qualify using your investment property’s rental income—without personal income documentation.

  • Buy with as little as 15% down on eligible properties.
  • Access your equity with cash-out refinancing up to 75% of your property’s value.
  • Loans up to $2.5 million, with interest-only options available.
  • Finance long-term or short-term rentals, including eligible Airbnb properties.
  • First-time investor? You’re welcome. LLC ownership permitted.

Ready to grow your real estate portfolio? Get prequalified with LendEase.

For investment properties only. Eligibility, credit, rental coverage, and property requirements apply. Maximum financing varies by scenario. Subject to underwriting approval.

A debt service coverage ratio (DSCR) loan is an investment-property financing option that evaluates qualifying property income relative to the debt-service expenses specified by the lender.

What to consider

  • Designed for eligible investment scenarios, rather than an owner-occupied primary residence.
  • Lenders may review rental income, property valuation, credit, assets and reserves.
  • Personal income documentation requirements and DSCR calculations vary by lender.
  • Down payment, ownership structure, eligible properties and prepayment terms depend on the program.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Foreign National Loans

Foreign-national financing may be available to eligible buyers from outside the United States for qualifying U.S. property purchases or refinances.

5 Requirements to Apply for a Foreign National Loan

  1. U.S. Visa
  2. Passport
  3. Bank Statements: Proof of financial stability and capability to make repayments.
  4. Bank Reference Letter: A letter from your bank attesting to your financial standing and history.
  5. Accountant’s Letter: A letter from your accountant verifying your income and financial health.

Our loans are designed to cater to your unique financial situation, providing you with the flexibility and support needed to invest in U.S. real estate. Talk to our experts to explore which option is best for your needs.

Requirements vary by lender, loan program and residency status. A U.S. visa may be required for some programs; contact LendEase to confirm the documents needed for your situation.

What to consider

  • Eligible residency, property use and geographic availability depend on the lender and applicable requirements.
  • Income, assets, identity and credit documentation may include records from the applicant’s home country.
  • Down payment, reserves, loan amounts and acceptable funds vary by lender.
  • Ask about currency, translation and document requirements for your circumstances.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Hard Money Loans

Hard money financing is an alternative option for eligible real estate investment or business-purpose transactions. Lenders generally place substantial emphasis on the property and proposed transaction.

What to consider

  • Bridge, renovation or other investment structures may be available depending on the lender.
  • Rates, fees, repayment terms and maturity can differ substantially from conventional financing.
  • Some loans may include a balloon payment or prepayment charge.
  • Property, borrower qualifications, documents and closing conditions still require lender review.
  • A particular closing date or approval is not guaranteed.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.

Refinance Loans

Refinancing replaces an existing mortgage with a new loan. Your goals may include changing your interest rate or loan term, accessing available home equity, or exploring alternative financing for an investment property.

Refinance options include:

  • Rate and term refinance: Explore a new interest rate, repayment term, or loan structure.
  • Cash-out refinance: Use available equity to obtain funds at closing, subject to lender requirements.
  • Hard money refinance: Explore property-focused financing for real estate investment needs.

Your available options depend on your equity, property, credit profile, documentation, and lender guidelines.

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Program information is subject to lender guidelines, eligibility, and change. Contact LendEase to confirm the options available for your situation.