Tailored Loan Solutions

Your unique path to homeownership deserves a loan built just for you. At LISA HOME MORTGAGE, we provide personalized mortgage solutions and concierge-level support that serve as your roadmap to success. We make your journey confident and clear, whether you're buying your first home, investing, or financing a commercial space.

Beyond traditional options, we specialize in opening doors for modern achievers often overlooked by more restricted loan options. This includes entrepreneurs, business owners, 1099 earners, gig-workers, those with diverse income structures, and clients rebuilding credit. We offer flexible programs like down payment assistance (even if you've owned before!) to ensure your goals are within reach.

Get ready to find the perfect fit for your dreams.

Handsome african businessman received home preapproval. Get started: www.LisaHomeMortgage.com

Explore Your Loan Products:

  • Manual Underwriting:  Personalized review and flexible loan qualifications on many loans that receive "refer" or "approve/refer" status. We accept and review transferred loans in progress that were stalled from other lenders, with options to close as quickly as 9 days.
  • Jobs with non-traditional income structure: We specialize in are experienced in dealing with variable incomes and non-traditional employment histories common among industries, such as: Truck Drivers, Travel Nurses, Adjunct professors, Real Estate Agents, Real Estate Brokers, and many jobs classified as Gig Workers.
  • First-time Homebuyer: Flexible loan options, including low down payment requirements and down payment assistance
  • Jumbo Loans up to 5 Million:  Flexible high-value financing. Lower fico options available.
  • Non-QM Loans:  Innovative solutions for unique financial situations or specialty properties
  • College Graduate Loans: Tailored financing for recent graduates.  Options for a 2 year, 4 year, or trade school degree.
  • CNA, HCA, LPN, RN: Tailored mortgage solutions designed for caregivers and frontline workers. Our options are structured to fit your unique income profile..
  • FHA:  Government-insured loans with very flexible credit requirements
  • VA:  Exclusive benefits for veterans and military personnel. Purchase and Refinance options require a minimum 500 credit score.
  • Conventional Loans  Options are available for Fannie Mae, Freddie Mac, Home Ready, or Home Possible. Flexible financing options, minimun 620 credit score.  Down payment options for 3%, 5%, 10%, or 20%. LIMITED SPECIAL CURRENTLY AVAILABLE - ONLY 1% DOWN PAYMENT (terms apply).
  • Bank Statement Loan:  3 Month Bank Statement or 12 Month Bank Statement Loans used to qualify income. Options starting at 10% down payment.
  • P & L Loans:   P&L (Profit & Loss) statements accepted from entrepreneurs and business owners.
  • Refinancing:  Restructure into a fixed interest rate, or reduce your loan term,  or reduce your rate
  • Cash-Out Refinance (Up to 90% LTV):  Tap into your home's equity and take cash out
  • Home Loans for Bad Credit: While securing a mortgage with bad credit can be challenging, it is not impossible. We provide options and strategies to help our clients with less-than-perfect credit qualify for a home loan.
  • Commercial Loans:  Business purpose financing for commercial properties. Loan amounts begin at $75,000. Options for 600 minimum credit score.
  • DSCR:  Debt Service Coverage Ratio loans to purchase or refinance investment properties - no income verification, occupancy not mandatory.  Options begin at 600 credit score.  Also, options are available with only 10% down.
  • Down Payment Assistance:  Options for both first-time homebuyers and current or repeat homebuyers. Homebuyer Education Course required. Options for Conventional or FHA loans.
  • Investment Property Loans: Finance rental properties and vacation homes
  • Mobile Home Loans: Financing available for pre-1976 homes; options available for units moved prior 
  • Non-Warrantable Condos: No condo questionnaire needed for approval.
  • Vacant Land Loans: 65% LTV with bank statement or P&L options.
  • Barndominium Loans: Financing up to 75% LTV for barndominiums.
  • Mid Rehab/Construction Loans: Flexible financing for ongoing projects.
  • Mixed-Use Properties: Properties with both commercial and Residential spaces
  • HELOC (Home Equity Line of Credit):  Tap into your home's equity when without refinancing. Lower fico options and smaller loan amounts available. Stand alone 2nd HELOC's available.
Bespoke Home Loans: LisaHomeMortgage.com
This website uses cookies