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
Government Financing
FHA, FHA Rehab & VA Loans
Government-backed loan options designed for flexibility with lower down payments and more forgiving credit requirements. Includes options for home purchases, renovations, and eligible military borrowers.
- Low Down Payment Options
Down Payment Assistance
Grants & Assistance Programs
Programs that provide 2% to 3.5% of the purchase price in assistance, often forgiven at closing. Available to qualified borrowers who need help getting into a home, not limited to first-time buyers.
- Reduced Cash to Close
Home Equity Solutions
HELOC & Fixed Equity Loans
Access the equity in your home through flexible options including fixed second mortgages, HELOCs, and hybrid solutions. Commonly used for home improvements, debt consolidation, or additional property purchases.
- Flexible Equity Access
Mobile Home Financing
Manufactured & Mobile Home Loans
Financing options for mobile and manufactured homes with flexible structures designed to make ownership more accessible.
- Flexible Property Financing
Rental Income Financing
DSCR & Cash-Flow Based Loans
Designed for investors qualifying based on rental income and property performance rather than personal income. Ideal for building or scaling a real estate portfolio.
- Income Flexibility
Portfolio Lending
Investor & Portfolio-Style Products
Designed for investors acquiring or refinancing multiple or high-value properties. Useful for structuring portfolios and managing complex borrower scenarios.
- Investor Focused
Private Financing
Stated Income & Investor Loans
Alternative financing for investment properties using stated income instead of full documentation. Ideal for experienced investors looking for speed and flexibility, with closings possible in as little as 7–12 days.
- Fast, Flexible Funding
International Investment
Foreign National Financing
Loan options for international buyers looking to invest in U.S. real estate. Structured to simplify the process and expand global investment opportunities.
- Invest Beyond Borders
Self-Employed
Bank Statement Loans
Best for self-employed borrowers whose tax returns may not reflect true income. Qualify using 12–24 months of personal or business bank statements.
- Income Flexibility
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.
- Income Flexibility
Credit Flexibility Programs
Alternative Credit Solutions
Loan options for borrowers who fall outside traditional credit guidelines, including recent credit events, low or no credit scores, or non-traditional documentation.
- More Ways to Qualify
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.
- High Loan Limits
New Construction
Construction & One-Time Close Loans
Finance your lot, build, and permanent loan all in one closing. Covers new construction or major renovations with approvals for borrower, builder, and project, allowing you to break ground after closing.
- Build with Confidence
Short-Term Financing
Bridge Loans
Best when timing matters—buying before selling or refinancing short-term. Provides temporary capital until permanent financing is secured.
- Time-Sensitive
Disaster Recovery Loans
FHA 203(h) Disaster Assistance
Specialized financing for homeowners impacted by federally declared disasters. Allows eligible borrowers to purchase a new primary residence when their previous home was damaged or destroyed.
- Support When It Matters
Reverse Mortgage
Equity-Based Retirement Solutions
Designed for homeowners 62+ to convert home equity into cash or a line of credit without a monthly mortgage payment, while continuing to live in their home.
- Stay in Your Home
Advanced Ownership
Trust, LLC & Entity Lending
Use when properties are held in trusts, LLCs, or other entities. Supports asset protection, estate planning, and long-term investment strategies.
- Asset Protection
Commercial Real Estate Financing
Multifamily & Commercial Property Loans
Financing for income-producing properties including multifamily, retail, office, and mixed-use. Designed for investors seeking long-term growth and scalable opportunities.
- Scale Your Portfolio
Business Financing
Working Capital & Business Loans
Flexible funding solutions for business owners looking to expand operations, manage cash flow, or invest in growth. Ideal for established businesses needing capital beyond traditional lending.
- Fuel Your Growth
SBA Financing
Small Business Administration (SBA) Loans
Government-backed loan programs designed to help small businesses access long-term financing with competitive terms. Commonly used for business acquisitions, real estate purchases, and expansion.
- Long-Term, Lower-Cost Capital
Government Financing
FHA, FHA Rehab & VA Loans
Government-backed loan options designed for flexibility with lower down payments and more forgiving credit requirements. Includes options for home purchases, renovations, and eligible military borrowers.
- Low Down Payment Options
Down Payment Assistance
Grants & Assistance Programs
Programs that provide 2% to 3.5% of the purchase price in assistance, often forgiven at closing. Available to qualified borrowers who need help getting into a home, not limited to first-time buyers.
- Reduced Cash to Close
Home Equity Solutions
HELOC & Fixed Equity Loans
Access the equity in your home through flexible options including fixed second mortgages, HELOCs, and hybrid solutions. Commonly used for home improvements, debt consolidation, or additional property purchases.
- Flexible Equity Access
Mobile Home Financing
Manufactured & Mobile Home Loans
Financing options for mobile and manufactured homes with flexible structures designed to make ownership more accessible.
- Flexible Property Financing
Rental Income Financing
DSCR & Cash-Flow Based Loans
Designed for investors qualifying based on rental income and property performance rather than personal income. Ideal for building or scaling a real estate portfolio.
- Income Flexibility
Portfolio Lending
Investor & Portfolio-Style Products
Designed for investors acquiring or refinancing multiple or high-value properties. Useful for structuring portfolios and managing complex borrower scenarios.
- Investor Focused
Private Financing
Stated Income & Investor Loans
Alternative financing for investment properties using stated income instead of full documentation. Ideal for experienced investors looking for speed and flexibility, with closings possible in as little as 7–12 days.
- Fast, Flexible Funding
International Investment
Foreign National Financing
Loan options for international buyers looking to invest in U.S. real estate. Structured to simplify the process and expand global investment opportunities.
- Invest Beyond Borders
Self-Employed
Bank Statement Loans
Best for self-employed borrowers whose tax returns may not reflect true income. Qualify using 12–24 months of personal or business bank statements.
- Income Flexibility
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.
- Income Flexibility
Credit Flexibility Programs
Alternative Credit Solutions
Loan options for borrowers who fall outside traditional credit guidelines, including recent credit events, low or no credit scores, or non-traditional documentation.
- More Ways to Qualify
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.
- High Loan Limits
New Construction
Construction & One-Time Close Loans
Finance your lot, build, and permanent loan all in one closing. Covers new construction or major renovations with approvals for borrower, builder, and project, allowing you to break ground after closing.
- Build with Confidence
Short-Term Financing
Bridge Loans
Best when timing matters—buying before selling or refinancing short-term. Provides temporary capital until permanent financing is secured.
- Time-Sensitive
Disaster Recovery Loans
FHA 203(h) Disaster Assistance
Specialized financing for homeowners impacted by federally declared disasters. Allows eligible borrowers to purchase a new primary residence when their previous home was damaged or destroyed.
- Support When It Matters
Reverse Mortgage
Equity-Based Retirement Solutions
Designed for homeowners 62+ to convert home equity into cash or a line of credit without a monthly mortgage payment, while continuing to live in their home.
- Stay in Your Home
Advanced Ownership
Trust, LLC & Entity Lending
Use when properties are held in trusts, LLCs, or other entities. Supports asset protection, estate planning, and long-term investment strategies.
- Asset Protection
Commercial Real Estate Financing
Multifamily & Commercial Property Loans
Financing for income-producing properties including multifamily, retail, office, and mixed-use. Designed for investors seeking long-term growth and scalable opportunities.
- Scale Your Portfolio
Business Financing
Working Capital & Business Loans
Flexible funding solutions for business owners looking to expand operations, manage cash flow, or invest in growth. Ideal for established businesses needing capital beyond traditional lending.
- Fuel Your Growth
SBA Financing
Small Business Administration (SBA) Loans
Government-backed loan programs designed to help small businesses access long-term financing with competitive terms. Commonly used for business acquisitions, real estate purchases, and expansion.
- Long-Term, Lower-Cost Capital
Ready to Take the Next Step?
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ESummitLoans Inc. is a licensed mortgage broker. All loan programs are subject to credit approval. Rates and terms are subject to change without notice.
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