Loan Programs
At Lendevity, we offer a full suite of residential, investment, and commercial financing solutions. Whether you're a first-time homebuyer, seasoned investor, or business owner, we tailor loan options to fit your financial goals-not force you into a one-size-fits-all product.
Core purchase and refinance options for borrowers who want straightforward lending paths for homes, second homes, and higher-balance properties.
Conventional Loans
Traditional mortgage options backed by Fannie Mae and Freddie Mac. Ideal for borrowers with strong credit and stable income.
- Low down payment options available
- Competitive interest rates
- Primary, second homes, and investment properties
FHA Loans
Government-backed loans designed for more flexible qualification.
- Credit scores as low as 580
- Higher debt-to-income allowances
- Great for first-time buyers
VA Loans
Exclusive financing for eligible veterans.
- Zero down payment
- No mortgage insurance
- Flexible underwriting
Jumbo Loans
Financing for higher-priced homes exceeding conforming loan limits.
- Loan amounts above $766,550+
- Competitive rates for high-credit borrowers
- Ideal for luxury properties
Investor-focused financing built around property cash flow, portfolio growth, value-add projects, and new construction.
DSCR Loans (Debt Service Coverage Ratio)
Qualify based on property cash flow instead of personal income.
- No tax returns required
- Use rental income to qualify
- Short-term and long-term rentals
- Can close in LLC
Portfolio / Blanket Loans
- Finance multiple properties under one loan
- Cross-collateralized options
- Ideal for scaling investors
Fix & Flip / Rehab Loans
- Funding based on after-repair value (ARV)
- Interest-only options
- Fast closings
Ground-Up Construction Loans
- Covers land + construction costs
- Flexible draw schedules
- Ideal for experienced builders
Flexible qualification paths for borrowers whose income is better represented by bank deposits, assets, or nontraditional documentation.
Bank Statement Loans
- 12 or 24-month statement options
- No traditional income documentation
- Flexible expense ratios
Asset Depletion Loans
- Use savings, investments, or retirement funds
- Ideal for high-net-worth borrowers
- No employment required
Cryptocurrency Asset Depletion Program
- Use crypto holdings for qualification
- No need to liquidate assets
- Ideal for modern investors
Lending structures for larger assets, owner-user properties, and short-term bridge needs that require more tailored underwriting.
Multifamily Loans (5+ Units)
- Stabilized and value-add properties
- Competitive fixed and adjustable rates
- Agency, bank, and private lending options
Commercial Real Estate Loans
- Retail, office, mixed-use, and industrial
- Flexible structures
- Multiple lender options
Bridge Loans
- Short-term financing
- Interest-only payments
- Ideal for acquisitions or repositioning
Niche options for specific borrower situations, including equity access, physician financing, reverse mortgages, and SBA-backed loans.
Digital HELOC
- No appraisal in many cases
- Minimal documentation
- Funding in as little as 3-5 days
Physician Loans
- Little to no down payment
- No mortgage insurance
- Flexible income qualification
Reverse Mortgages (HECM)
- No monthly mortgage payments required
- Access funds as lump sum, line of credit, or monthly payments
- Borrower retains home ownership
- Loan repaid when home is sold or no longer occupied
Best for: Retirees looking to supplement income, eliminate mortgage payments, or improve cash flow.
SBA Loans (Owner-User Commercial)
- Low down payment options
- Long-term financing
- Ideal for owner-occupied properties
We will guide you every step of the way and match you with the best loan option based on your goals.
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