vFindLoans

Get FHA Loan with 3.5% Down Payment

Purchase, Refinance, Cash Out,

Rehab, or Debt Consolidation

1st Position Loans

Up to 96.5% Loan to Value

500+ Credit Accepted

No Tax Returns, Paystubs or W2

No Prepayment Penalty

Purchase Loan with 3.5%, 5%, 10%, 20% Down

500+ Credit Required*

Full Document

12 or 24 Months Bank Statement

No Tax Returns, Pay stubs or W2

VOE or 1099 Only

Need 2 Years of Employment

BK, Short Sale & Foreclosures OK

Owner Occupied & Non Owner Occupied

1st Mortgages Liens only

LTV (Loan to Value) up to 95%*

Up to 80% for Cash out*

Interest Rates Starting at 4.25%+*

Terms from 5 Years to 30 Years

Loan Fees 1-3 points

  Call for details

*Rate, Terms, Fees are depended on the loan amount, loan to value, lien position, property type, location, purpose of loan, borrower ability to pay, credit etc.

An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender. FHA loan program allow borrowers to finance homes with down payments as low as 3.5% and are especially great with first-time homebuyers.
FHA loans are a good option for first-time home buyers who may not have saved enough for a large down payment as you can use as low as 3.5% down payment. Even borrowers who have suffered from bankruptcy or foreclosures may qualify for an FHA-backed mortgage.

Apply Now

Conventional or conforming loans refer to any mortgage that is not guaranteed or insured by the federal government.

Conventional loan borrowers don’t have to pay for mortgage insurance, which is typically required with lower down payments or government-backed loans. Using Conventional loans borrower can purchase with 5%, 10% & 20% down payment and have no mortgage insurance.

Conventional home loans are available for borrower with high credit and low credit scores. Conventional mortgage for Borrowers with low credit scores are called sub-prime mortgages. They typically come with high interest rates and fees.

Conventional mortgage programs also come with alternative income options such as using VOE only (verification of employment), 1099 Only, Personal or Business bank statements only or using full documents.

Apply Now

VOE loan program is where a borrowers can get qualified for a mortgage for a Purchase, Rate/Term Refinance, Cash-out Refinance or Debt consolidation mortgage loan by just a Verification of Employment. Get qualified without showing Tax Returns or Pay Stubs or W2s.

The VOE program is for Non-Self-Employed borrowers. The VOE (verification of employment) program are for employees who get paid cash or check from their employer and cannot show pay stubs, W2s or 1099.

The Employer just completes a VOE forms with employment information, which is used as verifiable alternative income.

Guidelines & Qualification for VOE only Program. The borrower needs to be working for the same employer for at least 2 years.

Apply Now

How does the personal bank statement loan program works?
As a self employed borrower you can use 100% of your deposit as income.

Add all deposits for all 12 or 24 months and divide that amount by 12 or 24 respectively to receive the monthly income amount we will apply as the borrower’s qualifying income.
Example. 24 months deposits total = $200,000 / 24 = $8,333 a month income.
Example. 12 months deposits total = $100,000 / 12 = $8,333 a month income.