For Homebuyers
Six programs for purchase.
Whether this is your first home or your fifth, we have a program that fits. Low down payment, zero down, or premium financing — compare all six below.
Good Credit · 3%+ Down
Conventional Loan
Follows Fannie Mae and Freddie Mac guidelines. Great rates for borrowers with good credit, with options as low as 3% down.
View ProgramFirst-Time · 3.5% Down
FHA Loan
FHA-insured mortgage with as little as 3.5% down and flexible credit requirements. Ideal for first-time buyers or rebuilding credit.
View ProgramVeterans · $0 Down
VA Loan
Backed by the Dept. of Veterans Affairs. Zero down, no monthly mortgage insurance, and great rates for eligible service members.
View ProgramRural + Suburban · $0 Down
USDA Loan
100% financing for eligible buyers in USDA-approved areas. Zero down, no monthly PMI, and fixed-rate terms for qualifying households.
View ProgramLuxury · Above Conforming Limit
Jumbo Loan
Finance homes above the conforming loan limit. Fixed and adjustable rate options with up to 89.99% LTV for primary residences.
View ProgramAny Buyer · Up to 5% DPA
Down Payment Assistance
Boost DPA Program — up to 5% for down payment, closing costs, or rate reduction. No income limits. No first-time buyer requirement.
View ProgramFor Homeowners
Ten programs for existing homeowners.
Refinance, tap equity, fund renovations, or access home value without monthly payments. Whatever the goal, we have a program.
Lower Payment · Cash Out
Refinance
Rate-and-term, cash-out, FHA Streamline, and VA IRRRL options. Lower your payment, access equity, or switch from adjustable to fixed.
View ProgramCash Out · Up to 89.99% LTV
Cash-Out Refinance
Replace your mortgage with a larger one and take the difference in cash. Conventional to 80% LTV under agency rules, with a wholesale lane to 89.99% LTV at 680+, in 16 states.
View ProgramFHA · 80% LTV
FHA Cash-Out Refinance
Borrow up to 80% of your home’s value with a 580+ wholesale credit floor and twelve months of occupancy. Any loan type can be refinanced into an FHA cash-out, in 16 states.
View ProgramVeterans · Up to 100% LTV
VA Cash-Out Refinance
Eligible veterans can refinance any loan type into a VA loan of up to 100% of the appraised value, funding fee included, with no mortgage insurance and residual-income underwriting.
View ProgramAbove The Limit · Up to 90% LTV
Jumbo Cash-Out Refinance
Equity above the conforming limit in one loan: eight wholesale lanes from a 660 credit floor, leverage to 90%, cash-out loans to $5 million, fixed or adjustable structures.
View ProgramHELOC · Up to $750K
Home Equity Loan / HELOC
Access up to $750K in home equity without refinancing your existing mortgage. HELOC funding in as fast as 5 days. Up to 90% CLTV.
View ProgramHELOC · No Tax Returns
Bank Statement HELOC
A home equity line qualified on 12 or 24 months of bank deposits instead of tax returns. Primary residence, second home or investment property, in 16 states.
View ProgramRental · Second Lien
Investment Property HELOC
A revolving line on a rental or second home behind the existing first mortgage. Qualified on the investment-property lane of the HELOC program, in 16 states.
View ProgramRenovation · 203(k)
Rehab Loan
FHA 203(k) and Fannie Mae HomeStyle® programs that combine the purchase price and renovation costs into one mortgage with a single closing.
View ProgramAges 62+ · No Payment
Reverse Mortgage
FHA-insured HECM for homeowners 62 and older. Access home equity as a lump sum, line of credit, or monthly disbursement — no monthly payment required.
View ProgramFor Investors
Nine programs for investors and self-employed borrowers.
Built for borrowers that conventional programs can’t serve. Qualify on property cash flow or bank deposits — not W-2s or tax returns.
Rental Income · No W-2
DSCR Investor Loan
Qualify based on property cash flow — not personal income. No employment verification, no tax returns. Single-family through 2–4 units and STRs.
View ProgramSelf-Employed · No Tax Returns
Bank Statement Loan
Qualify using 12 months of bank deposits instead of tax returns. No W-2s or paystubs required. Up to $3.5M standard, super jumbo to $30M on review. 90% LTV, DTI up to 50%.
View ProgramPortfolio Growth · Cash-Out
DSCR Cash-Out Refinance
Tap equity in existing rental properties to fund your next acquisition. Qualify on property income — recycle equity, scale your portfolio.
View ProgramInvestor · To $10M on Review
Super Jumbo DSCR Loan
DSCR financing above the standard $3M ceiling — to $6M on the ladder and to $10M on review — qualified on the property’s rent, in an LLC or your name, in 41 markets.
View ProgramSelf-Employed · To $30M on Review
Super Jumbo Bank Statement Loan
Bank statement financing to $20M on the ladder and to $30M on review. Primary residence, second home or investment property, qualified on 12 or 24 months of deposits, in 16 states.
View ProgramVacation Rentals · DSCR
Short-Term Rental Loan
Financing for Airbnb and VRBO properties qualified on the property’s short-term rent rather than your income. Purchase, refinance or cash-out, in an LLC or your name, in 41 markets.
View ProgramBridge · Fix & Flip
Hard Money Loan
Asset-based bridge, fix-and-flip and ground-up construction financing for investors, qualified on the property and the plan rather than tax returns, in 40 markets.
View ProgramBridge Payoff · DSCR Exit
Hard Money Exit Refinance
Pay off a hard money or bridge loan with permanent DSCR financing sized on the appraisal and the rent: rate-and-term to 85% of value, cash-out to 75%, in 41 markets.
View ProgramPrivate Client · No Tax Returns
Self-Employed & High Net Worth
Super jumbo bank statement and DSCR financing for founders, investors, entertainers, athletes and private-practice professionals whose income is real but doesn’t read the way a W-2 does.
View ProgramThe Lendmire Difference
Why work with a broker.
Six reasons why borrowers who compare programs through Lendmire consistently get better terms than going direct to any single lender.
01 · Shopping Power
Wholesale access, retail hands-on.
We shop top wholesale lenders so you get great rates without making the calls yourself. One application, multiple offers.
02 · Full Portfolio
Every loan type under one roof.
Agency, government, jumbo, non-QM, DSCR. If one program doesn’t fit, we have a dozen that might — all from one application.
03 · Specialist-Led
Real humans, not call centers.
Every file is worked by a named specialist who knows your scenario end-to-end. No handoffs, no automated phone trees.
04 · Speed
15-day average CTC.
Contract to clear-to-close in 15 days on average — fast enough to win competitive offers, without cutting corners on underwriting.
05 · No Product Gaps
Non-QM and investor programs.
Most banks can’t finance self-employed or investor scenarios. We can — bank statement, DSCR, and asset depletion programs built for complex files.
06 · Recognition
Scotsman Guide Top Workplace.
Nationally recognized for how we work. When the industry trusts us, you can trust us with one of the biggest decisions you’ll make.
Not sure which loan is right for you?
Our mortgage specialists review your goals, credit, income, and property type — then walk you through every program that fits. No commitment, no pressure. Just clear answers.
Talk to a SpecialistReady to find the right loan for you?
In about 30 seconds you can review financing options available for your home or investment property. No commitment required.
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