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Loan type
Key
benefits
Conventional
fixed-rate loans
The lowest fixed rates
for eligible buyers
No interest-rate
surprises
Worth
considering
if you...
Plan to stay in your
home for a long time
Have an established
credit history
Can put at least
5% down on a home
The lowest short-term
rates
Initial lower monthly
payments
Initial rate periods of
3-10 years, then rates can adjust up or down
Adjustable-rate
mortgages
(ARMs)
Know you'll be moving within the next few years
Have an established credit history
Can put at least
5% down on a home
EAD card holder
Program
Fixed-rate loans and Adjustable-rate mortgages(ARMs)
F1 visa OPT Status
Hard money loan
Non-owner Occupied Only
75-80% LTV
$100K- $ 5 Million
Interest only payments
No income required
Bank statements only
No Minimum FICO
requirements
No VISA required
Closing in 10 business days
Investors that fix & flip properties quickly
Need money for any emergency situation
Bridge loan
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