LOANS
Explore Mortgage & Financing Options
Every borrower’s situation is unique. We can help you explore financing options available through participating lenders and identify programs that may align with your goals, qualifications, and property type.
Conventional Loans
Fixed-rate and adjustable-rate financing for primary residences, second homes, and investment properties. Conventional loans may offer competitive terms for qualified borrowers.
FHA Loans
Government-insured financing designed to help eligible borrowers achieve homeownership with flexible qualification requirements.
VA Loans
Financing available to eligible veterans, active-duty service members, and qualifying surviving spouses through the Department of Veterans Affairs.
USDA Loans
Financing for eligible rural and certain suburban properties, subject to program eligibility requirements.
Jumbo Loans
Financing for loan amounts above conforming loan limits, often used for higher-value properties.
Adjustable-Rate Mortgages (ARM)
Programs with an initial fixed-rate period followed by periodic adjustments according to program terms and market indexes.
Refinance Loans
Rate-and-term refinance and cash-out refinance options for eligible homeowners seeking to adjust their mortgage structure.
First-Time Homebuyer Programs
Programs that may include down payment assistance, grants, or other benefits depending on borrower qualifications and availability.
Bank Statement Loans
Alternative documentation programs often used by self-employed borrowers whose tax returns may not fully reflect cash flow.
Non-QM Loans
Financing solutions designed for borrowers with unique income, employment, or credit circumstances that may not fit traditional agency guidelines.
DSCR Investor Loans
Investment property financing that may focus primarily on rental income and property cash flow rather than personal income.
Asset-Based Qualification
Certain programs allow eligible borrowers to qualify using liquid assets and reserves rather than traditional income documentation.
ITIN Loans
Financing programs that may be available for qualified borrowers using an Individual Taxpayer Identification Number.
Investment Property Financing
Programs designed for real estate investors purchasing or refinancing rental and investment properties.
Construction & Renovation Financing
Financing options that may assist with new construction, major renovations, or rehabilitation projects.
Bridge Financing
Temporary financing solutions that may help borrowers transition between property transactions.
Commercial Real Estate Financing
Financing solutions for eligible office, retail, industrial, mixed-use, and multifamily properties.
SBA Business Financing
SBA 7(a), SBA 504, and other business financing programs available through participating lenders for eligible business purposes.
Speak With a Licensed Mortgage Loan Originator
Get expert guidance on home purchase, refinance, investment, commercial, and business financing options.
📞 CALL NOW: 408-75-JOSHY (56749)Joshy Abraham, Mortgage Loan Originator (NMLS #2542280). Loan Factory Inc. (NMLS #320841). Equal Housing Opportunity.
Loan programs, rates, terms, and eligibility are subject to change without notice. All loans are subject to credit approval, underwriting, verification, and lender guidelines. No guarantee of approval or terms is made.
Real estate and mortgage services are separate and optional. Consumers are not required to use any specific lender, agent, or service provider.
