LoanFlight Mortgage Loan Products & Services

Conventional

Conventional Conforming loans have maximum loan amounts that are set by the government and must follow a specific set of standards set by Fannie Mae & Freddie Mac. These types of loans are the most common for the average buyer.

View Conventional Mortgage Rates

Government

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. FHA home loans require lower minimum credit scores and down payments than many conventional loans, which makes them especially popular with first-time homebuyers.

Learn More about FHA Loans

Home Equity

Tap into your home equity with either a home equity line of credit (HELOC) or a home equity loan (HELOAN). Whether your goal is to purchase an investment property, pay down expensive debt, invest in stocks, make home improvements or even just have cash on hand we can help you determine what home equity option is best for you.

Interest Only

LoanFlight offers a 40 year term loan with interest only payments during the first 10 years. This is a great option when interest rates are higher or you are expecting to earn more income in the near future.

Learn More About Interest Only Loans

Jumbo

A jumbo loan is a type of financing where the loan amount is higher than the conforming loan limits set by the Federal Housing Finance Agency (FHFA). The 2022 loan limit on conforming loans for 1-unit properties is $647,200 in most areas and $970,800 in high-cost areas.

View Jumbo Loan Rates

Manufactured Homes

LoanFlight offers conventional and FHA mortgage loan programs for manufactured homes.

Get a Quote For A Manufactured Home Loan

Reverse Mortgages

A Home Equity Conversion Mortgage (HECM) for Purchase is a reverse mortgage that allows seniors, age 62 or older, to purchase a new principal residence using loan proceeds from the reverse mortgage.

Learn More About Reverse Mortgages

Veterans

LoanFlight thanks veterans for their service and is proud to offer VA loans to those who have served and their spouse. A VA loan is a $0-down mortgage option issued by private lenders and partially backed, or guaranteed, by the Department of Veterans Affairs (VA). Eligible borrowers can use a VA loan to purchase a property as their primary residence or refinance an existing mortgage.

View VA Mortgage Rates

Foreign Investors

Foreign national investors may qualify to purchase investment properties in the United States. Loan qualification is based on the property's cashflow, rather than the buyer. Purchase, refinance and cash-out options are available.

Requirements Include:

Buyer must live outside of the United States.
The property cannot be owner occupied and must be located within the United States.
Buyer must have a B-1, B-2,H-2,H-3, I, J-1, J-2, O-2, P-1 or P-2 Visa or reside in a Visa waiver country
Buyer must live and work in foreign country.

Learn More About Loan Options for Foreign Investors

Investors

A typical Non-QM Debt Service Coverage Ratio (DSCR) loan allows a buyer to qualify for a mortgage based on cash flow generated from an investment property – through a rental, for example – as opposed to their personal income. A calculation generates a debt-to-income ratio and the higher the ratio, the better.

Learn More About Loan Programs for High Loan Amount Investments

No Income Verification

No ratio mortgage, is a type of mortgage that does not require verification of income. The loan decision is based on credit rating and the loan-to-value of the property. If the income is difficult to prove, a no-ratio mortgage is a viable alternative to a conventional mortgage loan.

Learn More About No-Income Verification Loans

Non-Citizen Primary Home

Buyers who do not have a social security number may be able to qualify for a loan using their individual tax identification number (ITIN). Eligibility requirements apply.

Learn More About Loan Programs for Non-US Citizens

Non-W2 Workers & Business Owners

A bank statement mortgage is a special type of mortgage that allows the homeowner to qualify for a mortgage and borrow money based on only the assets in their bank account and not just their monthly or annual income. The type of mortgage is popular with small business owners or other buyers who have a lot of assets but not a lot of cash flow. Specifically, anyone who does not receive W2 income or long-term and consistent 1099 income.

Learn More About Loan Programs for Non-W2 Employees & Business Owners

Self -Employed

A loan option for eligible self-employed buyers to purchase or refinance a home. This product allows personal or business bank statements to calculate income without requiring tax returns.

Learn More About Loan Programs for Self-Employed Borrowers

Super Jumbo

LoanFlight offers loan programs with up to $3M loan amounts. Meet with one of our specialized concierges to learn more about these programs.

Learn More about Super Jumbo Loans

Credit Repair

A good credit history is imperative when qualifying for a loan. If you've been told you don't qualify based on your credit score, you may consider credit repair. LoanFlight has resources to help improve your credit score so you can refinance your current home or purchase the home of your dreams.

Request more information on credit repair.

Purchase Cash Offers

Financing, appraisal and existing home contingencies are often roadblocks in getting offers accepted. Especially in this competitive market, sellers may choose to accept a cash offer, even if it's at a lower amount, so they can avoid these contingencies and ensure the sale closes.

Learn how LoanFlight can issue you an underwritten approval letter and how you may be able to convert your approval into a cash-backed offer to have ready if you need it.

Real Estate Agent Network

LoanFlight matches its approved buyers with an experienced agent in their area!

Join LoanFlight's Agent Network

Loan Products & Services Available

LoanFlight offers a wide range of products and services to ensure your buyer has an option when it comes to obtaining mortgage financing.