Loan Products

Explore our comprehensive range of mortgage products designed to meet your unique financing needs.

🏠Primary Residence Loans 💰Investment Property Loans 🏢Commercial Property Loans

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Primary Residence Loans

Find the perfect financing solution for your home with our range of conventional and government-backed loan programs.

Conventional Loans

Traditional mortgage financing with competitive rates and flexible terms

Down Payment: As low as 3% for qualified buyers
Loan Terms: 10, 15, 20, or 30-year fixed; ARM options
Credit Score: Typically 620+ for best rates
Loan Types: Fixed-rate, adjustable-rate (ARM)
Debt-to-Income Ratio: Typically up to 45%
PMI Required: Yes, if down payment is less than 20%

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FHA Loans

FHA

Government-insured loans with flexible qualification requirements

Down Payment: As low as 3.5% with qualifying credit score
Loan Terms: 15 or 30-year fixed
Credit Score: As low as 580 for 3.5% down; 500-579 for 10% down
Mortgage Insurance: Upfront MIP and annual MIP required
Debt-to-Income Ratio: Up to 50% with compensating factors
Property Requirements: Must meet FHA minimum property standards

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VA Loans

Special mortgage programs for veterans and active-duty military personnel

Down Payment: No down payment required
Loan Terms: 15 or 30-year fixed; ARM options
Credit Score: No minimum from VA, typically 620+ lender requirement
Funding Fee: Required unless exempt, can be financed
PMI Required: No private mortgage insurance
Eligibility: Veterans, active duty, and certain surviving spouses

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USDA Loans

USDA

Financing for eligible rural and suburban homebuyers

Down Payment: No down payment required
Loan Terms: 30-year fixed
Credit Score: Typically 640+, flexible underwriting
Income Limits: Must meet USDA income eligibility limits
Mortgage Insurance: Upfront guarantee fee and annual fee
Property Eligibility: Must be in an eligible rural or suburban area

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Jumbo Loans

Financing for loan amounts exceeding conforming loan limits

Loan Amounts: Exceeds FHFA conforming limits (varies by county)
Loan Terms: Fixed-rate and ARM options available
Down Payment: Typically 10-20% or more required
Credit Score: Often requires higher credit scores (700+)
Asset Reserves: Significant liquid asset reserves often required
DTI Requirements: Stricter DTI requirements may apply

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Bank Statement Loans

Alternative documentation loans for self-employed borrowers and business owners

Income Verification: 12 or 24 months of bank statements instead of tax returns
Down Payment: Typically 10-20% for primary residence
Loan Terms: 15 or 30-year fixed; ARM options
Credit Score: Typically 680+ required
Ideal For: Self-employed, business owners, 1099 contractors
Property Types: Primary residence, second homes, investment properties

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💰

Investment Property Loans

Finance your real estate investments, from rental properties to fix-and-flip projects.

Conventional Investment Property Loans

Rent

Standard financing for purchasing or refinancing rental properties (1-4 units)

Down Payment: Typically 15-25% required
Loan Terms: 15 or 30-year fixed; ARM options
Credit Score: Typically 640+ required, higher scores preferred
Loan Types: Fixed-rate, adjustable-rate (ARM)
Asset Reserves: Often requires 6+ months of reserves
Property Types: Single-family, 2-4 unit properties

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DSCR (Debt Service Coverage Ratio) Loans

DSCR

Qualification based on property's cash flow, not personal income

Qualification: Based on property's rental income vs. expenses (DSCR > 1.0)
Down Payment: Typically 20-25%
Income Verification: No personal income verification required
Credit Score: Typically 640+
Property Types: 1-4 unit residential, multi-family, commercial
Loan Purpose: Purchase, refinance, cash-out refinance

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Fix and Flip Loans

Fix

Short-term financing for purchasing and renovating properties for resale

Loan Terms: Typically 6-24 months, interest-only payments
Loan-to-Value (LTV): Up to 90% of purchase price and 100% of rehab costs
Qualification: Based on project viability and borrower experience
Credit Score: Typically 620+
Funding Speed: Fast funding available
Interest Rates: Higher rates than traditional mortgages

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Bank Statement Loans - Investment Properties

Alternative documentation for self-employed real estate investors

Income Verification: 12 or 24 months of bank statements instead of tax returns
Down Payment: Typically 20-25% for investment properties
Loan Terms: 15 or 30-year fixed; ARM options
Credit Score: Typically 680+ required
Ideal For: Self-employed investors, business owners with rental properties
Property Types: Single-family, 2-4 unit investment properties

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🏢

Commercial Property Loans

Tailored financing solutions for various commercial real estate needs.

SBA 504 Loans

SBA

Government-backed loans for owner-occupied commercial real estate and fixed assets

Loan Purpose: Purchase, construction, renovation of CRE
Down Payment: Typically 10% from borrower
Loan Structure: 50% bank, 40% CDC (SBA), 10% borrower
Loan Terms: Long-term, fixed rates (up to 25 years)
Occupancy Requirement: Business must occupy at least 51% of property
Eligibility: For-profit businesses meeting SBA size standards

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Conventional Commercial Loans

Traditional bank financing for various commercial property types

Property Types: Office, retail, industrial, multi-family, mixed-use
Loan-to-Value (LTV): Typically up to 75-80%
Loan Terms: 5, 7, 10 years (or longer) with amortization up to 25-30 years
Rates: Fixed or variable rates available
Qualification: Based on borrower credit, financials, and property analysis
Recourse: Often requires personal guarantees

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Our experienced loan officers are ready to help you find the best mortgage solution for your situation.

Capital Mortgage Source, NMLS# 2320694 | Not all products available in all states. View Licensing