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Loan Options

Find the perfect loan solution for you

From conventional and jumbo loans to FHA, VA, and specialty programs, we’ll help you compare options and move forward with confidence.

Browse loans for every scenario

Luxury Financing

Jumbo & Super Jumbo

For high-net-worth borrowers purchasing or refinancing properties above conforming limits. Ideal when strong assets and credit exist but loan size exceeds agency caps.

Alternative Qualification

Asset-Based & Cash-Flow Lending

Use when traditional income documentation doesn’t tell the full story. Qualifies borrowers based on assets, liquidity, or consistent cash flow rather than W-2s.

Self-Employed

Bank Statement Loans

Best for self-employed borrowers whose tax returns understate income. Qualify using 12–24 months of personal or business bank statements.

Portfolio Lending

Investor & Portfolio-Style Luxury Products

Designed for investors acquiring or refinancing high-end or multiple properties. Useful for portfolio structuring, luxury rentals, and complex borrower profiles.

Rental Financing

DSCR (Debt Service Coverage Ratio) Loans

Go-to option for rental property investors. Approval is based on property cash flow rather than borrower income.

Specialized Financing

Direct Lending

Ideal for unique or time-sensitive scenarios that don’t fit agency or standard non-QM guidelines. Offers flexible underwriting and faster execution.

Advanced Ownership

Trust, LLC & Entity Lending

Use when properties are held in trusts, LLCs, or other entities. Supports asset protection, estate planning, and investor ownership strategies.

New Construction

Construction Loans

For borrowers building new residential properties. Short-term financing that typically converts to permanent financing at completion.

Short-Term Financing

Bridge Loans

Best when timing matters—buying before selling or refinancing short-term. Provides temporary capital until permanent financing is secured.

First-Time Buyer

Down Payment Assistance

Use for qualified borrowers needing help with upfront costs. Can expand eligibility and improve affordability when paired with first-time buyer or affordable housing programs.

Ready to Take the Next Step?

Discover fast approvals, flexible options, and a dedicated team ready to help you every step of the way.

Whether it’s your first home, dream home or your investment home loan…We bring you home!

ESummitLoans Inc. is a licensed mortgage broker. All loan programs are subject to credit approval. Rates and terms are subject to change without notice.