Vintage Home Loan is about finding loan solutions for borrowers with unique situations.  Call us today if you have been denied by another lender or have been told your situation does not fit another lenders' loan programs.

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:

Foreign National –

o   25% down for O/O

o   Will close in LLC if use is not for purposes of Investments

o   Multiple terms available

Alt Doc

o   Two options:  Asset Qualification or Self-Employed Bank Statement

o   Zero Credit Score Program

o   Cash Flow Analysis

o   Newly Self Employed


o   Borrower qualified based upon the cash flows of the subject property only

o   Over 10 properties allowed

Interest Only -

o   Loan amounts up to $3 million

o   620 Credit Score, DTI up to 50%

Hard Money – for investment property only

o   2nd Lien Equity loan to fix up property (2xclose) prior to conv financing

o   Fix and Flip

o   Construction

One x Close –

o   For Primary Residence

o   Up to 90% LTV

o   6, 9 or 12-month construction term allowed

Construction –

o   Two time close for primary residence

Doctor Loan –

o   Deferred student loan payments may be excluded

o   Max LTV/CLTV 97% up to $650,000 loan amount

Jumbo Products –

o   Several of our lenders offer the non-conforming Jumbo loan

Home Renovation Loans –

o   FHA Standard 203(k) – 640 Credit Score, loan amount up to County Loan Limit, O/O

o   FHA Limited 203(k) – 620 Credit Score, Max $35,000 Renovation cost, O/O

o   HomeStyle – O/O, 2nd Home, Investmen

Investor/Owner Finance - 

  • Purchase
  • Primary Residence
  • 80% CLTV/LTV
  • Assets/Income done on case by case basis
  • Rates also case by case basis


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