Unique Loans for Unique Scenarios
Specialty loan programs are crafted to meet unique borrower or property needs that fall outside traditional loan guidelines. These may include interest-only options, asset depletion strategies, or programs for foreign nationals and other niche scenarios.
Highlights
Lender-designed programs to fit unique borrowing needs
Options for unique property types, including non-warrantable condos
Short-term financing solutions like buy-before-you-sell and investor-focused programs
Interest rates, down payments, and reserve requirements vary by program
Choose Your Path
FAQ
What defines a specialty loan?
A loan that doesn’t conform to traditional guidelines, typically designed for unique borrower or property circumstances.
What are examples of specialty loans?
Foreign national loans, asset depletion, ITIN loans, interest-only programs, and no-income verification products. Also, new products lenders may release as temporary incentives that don't fall into one specific category.
Do these loans meet QM (Qualified Mortgage) standards?
Most are non-QM, meaning they fall outside strict Dodd-Frank guidelines but are still legitimate, well-regulated options.
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Disclaimer: Information provided is for educational purposes only and is subject to change. All loan programs, interest rates, down payment requirements, and terms are subject to credit approval, underwriting guidelines, investor requirements, and may change without notice. Not all applicants will qualify. Restrictions may apply, including but not limited to geographic limitations, property type, and occupancy requirements.