Mortgage Loan Programs
Loan Programs Easier Than You Thought
DG Funding can help you get the home you want sooner and easier than you thought. As a mortgage bank that has built deep relationships with more than 50 other wholesale/portfolio/correspondent lenders, we will offer and fund the loan that makes you happiest.
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Conventional Loans
Standard mortgages offering flexible terms and competitive rates. Ideal for those with a stable income, good financial history, and solid credit.
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FHA Loans
Federal Housing Administration (FHA) insured loans are a very popular home financing option based on easier income, equity and credit guidelines.
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VA Loans
Department of Veterans Affairs (VA) loans have low and no down payment options, with a variety of rates and terms available.
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Jumbo Loans
If your loan amount exceeds your conforming county loan limit, a Jumbo Mortgage is likely a good choice for you.
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Non-QM Loans
These are designed for borrowers who may not meet the traditional lending criteria but can prove income in other ways, such as borrowers who are self-employed.
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Business Bank Statement Loans
Loans that rely on bank statements rather than tax returns. Perfect for businesses with strong cash flow.
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Personal Bank Statement Loans
For freelancers and self-employed individuals, qualify for your loan using bank statements rather than tax returns.
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P&L/CPA Letter Loans
If you’re self-employed and need simplified income documentation, this route uses a CPA-prepared letter or profit and loss statements to verify your income.
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DSCR Loans
As a real estate investor, you can secure a loan using a property’s rental income rather than personal income with a debt service coverage loan.
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Asset Utilization Loans
This is an option to qualify for a loan using investments, savings, and other liquid assets. Ideal for those with significant assets, such as retirees.
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Interest-Only Loans
If you need short-term cash flow flexibility or expect your income to increase in the future, you can enjoy lower monthly payments by paying only the interest in the early stages (typically 5, 7, or 10 years).
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ITIN Loans
Designed for non-U.S. citizens wanting to purchase property, this loan type allows borrowers to use their ITIN (individual taxpayer identification number) rather than social security number.
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No Tax Returns Loans
Qualify for your loan using alternative documentation, rather than tax returns. If you have a complex tax scenario or are self-employed, this could be the loan for you.
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HELOC
Short for Home Equity Line of Credit, this flexible funding option allows you to borrow as needed for expenses such as renovations or investments.
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Fixed-Rate 2nd Mortgage
Access equity and enjoy stable repayment terms with a second loan on your home.
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Reverse Mortgage
If you’re a homeowner over 62, you may be able to supplement your retirement income by receiving payments using the equity in your home.
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Hard Money/Private Money Loans
Commonly used for time-sensitive deals such as flips, these loans focus on property value rather than credit.
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5-8 Unit Loans
Designed for investors interested in multifamily real estate, this loan can help to finance properties with between five and eight units.
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Multi Family Loans
From duplexes to larger buildings, investors often use this loan type to finance multiple units and reap the rewards of rental income and a larger portfolio.
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Commercial Loans
Commercial loans are available for investors and business owners to finance commercial properties, including retail, industrial, and office buildings.