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Specialty Loans

Loan Lock Specialty Loans: Tailoring Finance to Fit Your Home Dreams.

Find your fit with Specialty Loans, crafted for unique financial needs.

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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Specialty Loans Offer Distinctive Financing Solutions Tailored to Address the Individual Requirements of Borrowers.

Crafting Financial Solutions for Your Unique Home Journey.

These Loans aren't typically addressed by standard loan products like conventional mortgages, auto loans, or personal loans. These loans cater to niche markets or specific situations, providing tailored solutions for various financial scenarios. Here are some examples of specialty loans and their purposes:

1

USDA Rural

Home Loans

For: Low-to-moderate income buyers in rural areas.

Features: Zero down payment, government-backed, lower rates.

2

VA

Loans

For: U.S. veterans, active military, and families.

Features: No down payment or PMI, favorable terms.

3

FHA

Loans

For: Those with lower credit scores or small down payments.

Features: Low down payment, flexible credit criteria.

4

Bridge

Loans

For: Buyers between selling and buying homes.

Features: Quick funds, short-term, higher interest.

5

Construction

Loans

For: Building or renovating homes.

Features: Funds disbursed in stages, higher rates, short-term.

6

Reverse

Mortgages

For: Seniors (62+) to convert home equity to cash.

Features: No monthly payments, deferred repayment.

7

Jumbo

Loans

For: Financing luxury properties beyond conforming limits.

Features: Higher borrowing limits, stricter criteria.

8

Commercial

Loans

For: Businesses covering operational costs or expansion.

Features: Varied terms based on business health and loan purpose.

9

EEM Loans

Energy Efficient Mortgages

For: Buying energy-efficient homes or upgrades.

Features: Finances energy-saving measures, lower utility costs.

10

Hard Money

Loans

For: Real estate investors and developers.

Features: Short-term, based on property value, higher rates.

Navigate Your Niche with Confidence: Specialty Loans Await.

Specialty Loans cater to diverse dreams, offering solutions from rural homes to energy upgrades. Dive into tailored financing options designed to meet your unique goals and bring your aspirations to life.

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

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

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Phone: 714-814-2125

Address: 6 Hutton Centre Drive,

Suite 1030, Santa Ana,CA92707

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