Specialty Loan Programs
QuickHome.Loans offers tailored solutions for your unique financial needs and homeownership goals.
Specialty Loan Programs
At QuickHome.Loans, we offer a range of specialty loan programs designed to meet the needs of individuals whose financial situations might not fit traditional lending criteria. These programs provide tailored solutions to help you achieve homeownership, even if your circumstances don't align with the typical mortgage process.
Non-QM Loans
If your needs don't align with the standard mortgage products, Non-QM (Non-Qualified Mortgage) loans offer flexible options. These loans are designed for borrowers who might not meet the strict guidelines of conventional loans. I understand the unique situations people face and are here to offer the best solutions to help you move forward.
Bank Statement Programs
What is a Bank Statement Loan? A Bank Statement Loan is an excellent alternative for individuals who are self-employed or don't have traditional forms of income verification, like W-2s or tax returns. Many self-employed individuals or small business owners may not qualify for a conventional loan due to income inconsistencies shown on their tax returns. With a bank statement program, you can use your business or personal bank statements to demonstrate income, making it easier to qualify for a loan.
Advantages:
- Ideal for self-employed individuals with inconsistent income documentation
- Bank statements can serve as proof of income instead of tax returns
Foreign National Home Loans
Financing for Overseas Buyers Foreign National Home Loans are available for non-U.S. citizens who want to invest in property in the United States. These loans are structured differently than typical home loans and offer solutions for foreign buyers who may not have U.S. credit history but still want to take advantage of opportunities in the U.S. real estate market.
Investment Property Loans / DSCR Loans
For individuals looking to invest in real estate, Investment Property Loans, or Debt Service Coverage Ratio (DSCR) loans, can help. These loans are typically for people buying investment properties and are based on the property’s ability to generate enough income to cover the loan payments, rather than the borrower’s personal income.
Bridge Loans
What is a Bridge Loan? A bridge loan is a short-term loan designed to provide immediate financial relief. It can be used to solve urgent situations like real estate transactions, debt resolution, or business capital needs. Bridge loans are particularly helpful when dealing with time-sensitive situations such as acquisitions, repairs, foreclosures, or legal issues.
Uses for Bridge Loans:
- Resolving immediate business or real estate financial concerns
- Covering repairs before insurance claims are settled
- Dealing with financial distress, impairments, or foreclosures
- Managing legal matters, tax liens, or other urgent financial needs
If you’re in a transitional property situation, facing complex deals, or have pressing time constraints, a bridge loan can provide the flexibility and support you need.