Not only does Vintage Home Loan offer the same traditional mortgage lending options as our competition, but we have leapt into the future of mortgage lending by offering non traditional mortgages as well.

Not every borrower fits into a Fannie Mae or Freddie Mac product therefore VHL specializes in unique lending and has partnered with several lenders who offer Non-Conforming products.  

 Here are the highlights of just a few products that are outside of the box:

Vintage Home Loan Product List 

  1. Alternate Document Loans
    1. 1 Year documentation
    2. Asset Depletion
    3. Residual Income
  2. Construction Loans
    1. Construction only
    2. 1 x close
  3. Doctor/Physician Loans
  4. Credit Report Issue exception:
    1. Bankruptcy reduced seasoning
    2. Foreclosure/Short Sale/Deed in Lieu reduced seasoning
    3. Up to 55% DTI needed
    4. Scores down to 500
  5. First Responders/Hero Loans
    1. Up to 100% financing available
      1. Police, Firefighters, EMT's, Sheriff, etc
  6. Fix/Flip Loans
  7. Foreign National/ITIN Loans
  8. Hard Money Loans for Investment acquisition
  9. Investor Loans
    1. First Time Investor
    2. Finance up to 20 properties
    3. Unleased property (refi only)
    4. Debt Service Coverage/Cash Flow
    5. No Ratio
    6. Close in LLC
    7. Asset Qualification
  10. Jumbo Loans
    1. Down to 580 FICO
    2. Up to 50% DTI
  11. Manual Underwritten FHA/VA Loans
    1. Down to 500 FICO
  12. Mixed Use Property Loans
  13. Modular Home Loans
    1. Double wide fixed to land
  14. Multi Plex
    1. 5-35 Unit
  15. Non Warrantable Condo Loans
  16. Renovation Loans
  17. Reverse Mortgages
  18. Self Employed Borrowers
    1. Bank Statement 
    2. Newly Self Employed
  19. Zero Down Loans

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