714-814-2125

Non-QM Loan Programs

Empowering Homeownership Dreams with special Loan Lock Loan Programs.

Discover a range of loan programs designed to make homeownership a reality for everyone.

Pre-approval Letter

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First-Time Home Buyer

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Home Purchase Loan

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Refinance my Home

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Lower my Interest Rate

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Reverse Mortgage

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Construction Loan

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Are you dreaming of owning a home but unsure of how to make it a reality?

When it comes to achieving the lowest interest rates and securing financial stability, understanding Rate Lock Fundamentals is essential. At Loan Lock, we empower you with the knowledge you need to make informed decisions and seize the opportunity to lower your interest rates.

Our Loan Programs

5 - 8 UNIT

MIXED USE DSCR
  • •660+ FICO
  • •Min. DSCR 1.00
  • •Loans to $2MM
  • •Interest-Only Available
  • •5-8 Units Allowed
  • •$1M Max Cash-Out
  • •Mixed Use Limited to Retail/ Office

1099

Loans
  • •Credit Score Start at 660
  • •Loans to $ 4MM
  • •55% Max DTI (Primary)
  • •LTV to 90%
  • •Unlimited Cash Out
  • •Non-Warrantable Condos
  • •Condotels OK

Bank Statement Loans

  • •Credit Score-660
  • •Loans upto $ 4MM
  • •LTV to 90%
  • •55% Max DTI (Primary)
  • •Unlimited Cash Out
  • •Non-Warrantable Condos
  • •Condotels OK

Down Payment

Assistance
  • •Credit Scores Start at 600
  • •Up to 103% Max LTV*
  • •Up to 3.5% of the Appraised Value on FHA Loans
  • •Value on
  • •FHA Loans
  • •LTV* to 90%
  • •Primary Residence Only

CALHAF - Home

Assistance DPA
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

Blanket DSCR

Loans
  • 680+ FICO
  • LTV* to 80%
  • Fixed Loan
  • Min. DSCR is 1.0
  • Loans to $6.25MM
  • Multiple Properties
  • Min. 2 and Max 25 Properties Allowed
  • Purchase, Rate & Term,
  • Cash-Out Allowed
  • Investor Opportunity

ITIN

Loans
  • Credit Scores - 680
  • LTV to 97%
  • MI Required
  • Loans to 3% of the Appraised Value
  • Secondary Financing to accompany a CalFHA
  • Mortgage
  • First - Time Home Buyer Opportunity

No Ratio

DSCR
  • 1
  • Credit Scores - 660
  • 2
  • Loans to $ 3MM
  • 3
  • LTV* to 75%
  • 4
  • Short Term Rentals (AirBnB/VRBO)
  • 5
  • Qualify off of Interest-Only Payments

Simplified Loan Programs for Your Financial Needs

At LoanLock, we believe in straightforward solutions. Our Loan Programs are designed with simplicity in mind, offering a direct path to your financial goals. No jargon, no complications—just easy access to the funds you need. Discover the ease of achieving your dreams with our Simplified Loan Programs.

Five commons

Home Buying Myths

01

I Do Not need 20% down to buy a home.

02

I Do Not need perfect credit to buy a home.

03

I Do need a dedicated Loan Agent.

04

A 30-year, fixed-rate mortgage is not always the best.

05

Buying a home is always better than renting.

06

Ask a Loan Office to compare FHA vs Conventional.

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Loan Tips

Frequently Asked Questions

FAQs for first-time home buyers, providing clear and concise answers to common queries:

Homeownership Adventure

Turn your dream home into reality with our expert loan officers ready to guide you.

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NMLS# 390320

E Mortgage Capital logo

NMLS# 237507

Stay Connected

Phone: 714-814-2125

Address: 6 Hutton Centre Drive,

Suite 1030, Santa Ana,CA92707

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