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. Credit Report Issue Exceptions:
    1. Bankruptcy reduced seasoning
    2. Foreclosure/Short Sale/Deed in Lieu reduced seasoning
    1. Up to 55% DTI needed
    2. Scores down to 50
  3. SETH/TSAHC Loans with DPA
  4. Fix/Flip Loans
  5. Foreign National/ITIN Loans
  6. Hard Money Loans for Investment acquisition
  7. 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
  8. Jumbo Loans
    1. Down to 580 FICO
    2. Up to 50% DTI
  9. Manual Underwritten FHA/VA Loans
    1. Down to 500 FICO
  10. Modular Home Loans
    1. Double wide fixed to land
  11. Multi Plex
    1. 5-35 Unit
  12. Non Warrantable Condo Loans
  13. Renovation Loans
  14. Reverse Mortgages
  15. Self Employed Borrowers
    1. Bank Statement 
    2. Newly Self Employed

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