Investor Loans Programs

When you’re looking for a home loan, there are many factors that determine the terms and interest rates you’ll receive from lenders. One of these is whether you’re buying a first home or an investment property. Second loans may be more difficult to secure than mortgages for your primary personal home. The issues around securing a second loan are complicated by the fact that some of your finances are tied up in paying for the first house, potentially making lenders hesitant.

If you work with partners that understand and plan for the process of buying or refinancing an investment property, however, you can find options that suit your needs and situation, with favorable terms that will help you make this potentially complex transaction very simple. That is the kind of service you get when you apply for our Investor loan, part of the Equity One Lending aimed directly at individuals with investment properties.

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Unique features

When you’re ready to branch out from a first home and start investing in properties, your finances will have naturally grown beyond the state they were in at the time you bought the house where you live. A Investor loan takes this more developed situation into account and offers features that work for you. For instance, rather than being based on a debt-to-income ratio calculation, the approval process depends on your cash flow.

Investor loan can be flexible, with options ranging from 30-year fixed-rate mortgages to adjustable-rate financing plans with 5/1, 7/1 and 10/1 versions. The loan can cover values of up to $1.5 million, and you may be eligible if your FICO credit score is 640 or higher. By seeking out this loan designed to assist you in assembling a multi-property portfolio, you turn a potentially difficult application process into a focused and streamlined transaction.

Non-traditional loans for any situation

Qualified Mortgages are the default offering in the home loan space, but they’re not right for every situation, due to their relatively inflexible terms. This is where the Investor Loans included, shows its true value. When you want to receive features such as an interest-only loan, non-qualified mortgages are the way to find that type of coverage.

When working with your loan officer, you don’t have to limit your scope. Exploring options based on your current financial status may reveal new offerings, including those for people with 2-4 properties under their control, as well as condominium units. Investing in real estate and using this asset as a major source of income is fundamentally different from just owning your own house, and our options reflect this situation, in all its complexity and promise.

The simplified loan process, combined with the specialized and favorable terms, allow you to worry less about getting your investment property funded. They’re not just different from basic loans but serve as specialized and targeted financial possibilities.

Other Loan Programs

Conventional Mortgage

Conventional products provide a wide variety of homebuying and refinancing options for well-qualified borrowers. Government products restrict lending to only primary residences . . .

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low-interest rates and no down payment . . .

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USDA

People are often overwhelmed by the different kinds of mortgages available today. Are you one of those people thinking of planning a property? If you have an idea of what you are . . .

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First Time Buyer Programs

Exploring local & national first-time homebuyer assistance programs is an important step in the journey to homeownership. Buying a first home is a big deal, so we here to help you!

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FHA Loans

FHA loans are mortgages that are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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Portfolio Products

Many borrowers need flexible products with low-interest rates, flexible terms, and minimal down payments. Affordability is the key to many borrowers being able to buy homes or . . .

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