BESPOKE LOAN PRODUCTS

Our bespoke mortgage loans are convenient, sophisticated, and built as roadmaps to your success. With concierge-level support and innovative options, we help you move confidently toward your goals.

In addition to traditional mortgage loan options, we specialize in serving clients who require non-traditional loan solutions - many who are often overlooked by conventional lending sources.  This includes: entrepreneurs, business owners, credit re-building clients, 1099 earners, gig-workers, and individuals with non-traditional W-2 income structures. We also offer very flexible solutions across FHA, VA, USDA, Conventional, Non-QM, and Jumbo loan programs.

Our offerings include:
•    Down payment assistance with no income caps, even if you currently or perviously owned a home.

Whether you're financing a primary residence, investment property, or commercial space, our tailored solutions are designed to support your journey.

Let us help turn your real estate goals into a lifestyle you love.

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

Explore Your Loan Products:

  • Manual Underwriting:  Personalized review and flexible loan qualifications on 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 Grad Loans: Tailored financing for recent graduates. Options for a 2 year, 4 year, or trade school degree.
  • FHA:  Government-insured loans with very flexible credit requirements
  • VA:  Exclusive benefits for veterans and military personnel. Purchase and Refinance options require a minimum credit sore of 550.
  • Conventional Loan  Low down payment options starting at 1% down for first-time buyers. Options available for 3%, 5% - 20% down payment. Flexible financing for various needs.
  • 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 first-time homebuyers and repeat homebuyers. Homebuyer Education Course required.
  • 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.
  • Foreclosure Bailout Loans: Options to prevent or resolve foreclosure.
  • 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
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