Products We Offer

A Conventional Loan is one of the most popular mortgage options for homebuyers and homeowners looking to refinance. Unlike government-backed loans (such as FHA or VA loans), conventional loans are funded by private lenders and typically follow the guidelines set by Fannie Mae and Freddie Mac.

Why Choose a Conventional Loan?

• Flexible Loan Terms – Choose from fixed or adjustable rates with loan terms ranging from 10 to 30 years.
• As a mortgage broker, we have the ability to shop multiple lenders to find you a highly competitive interest rate.
• Low Down Payment Options – As little as 3% down for qualified buyers.
• No Upfront Mortgage Insurance – Unlike FHA loans, there’s no upfront mortgage insurance premium (MIP), and there is no private mortgage insurance (PMI) if you put down 20% or more.
• Higher Loan Limits – More flexibility compared to government-backed loans, especially for higher-priced homes.

Who is a Good Fit for a Conventional Loan?

• Buyers with a good credit score (typically 620+)
• Those looking to put 3% or more down
• Homeowners refinancing for better terms or to remove PMI
• Investors purchasing rental properties

At Lending Leah, we make the mortgage process simple, stress-free, and tailored to your needs. Let’s find the best conventional loan option for you!

📞 Contact us today to get started!

An FHA Loan is a government-backed mortgage insured by the Federal Housing Administration (FHA), designed to help homebuyers who may not qualify for conventional loans due to lower credit scores or smaller down payments. FHA loans offer flexible qualification requirements and are a great option for first-time homebuyers or those looking for a lower upfront investment.

Why Choose an FHA Loan?

• Low Down Payment – Qualified buyers can put down as little as 3.5%
• Easier Credit Qualification – More lenient credit score requirements compared to conventional loans.
• Fixed and Adjustable Rate Options – Choose a loan term that fits your budget and goals.
• Flexible Debt-to-Income Ratios – FHA loans sometimes allow for higher debt-to-income (DTI) ratios, making homeownership more accessible.
• Government-Backed Security – Because the FHA insures these loans, lenders may offer more flexible approval terms.

Who is a Good Fit for an FHA Loan?

• First-time homebuyers or those with limited savings for a down payment
• Borrowers with a credit score of 580 or higher
• Homebuyers looking for more flexible qualification requirements
• Those planning to purchase a primary residence (FHA loans cannot be used for investment or secondary properties)

At Lending Leah, we’re here to guide you through the FHA loan process and help you secure the best mortgage option for your needs.

📞 Contact us today to get started!

A VA Loan is a mortgage option available exclusively to veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs (VA), VA loans offer incredible benefits to those who have served our country, including zero down payment and competitive loan terms.

Why Choose a VA Loan?

• No Down Payment Required – VA loans allow eligible buyers to finance 100% of the home’s purchase price.
• No Private Mortgage Insurance (PMI) – Unlike conventional loans, VA loans do not require PMI, which can mean big savings.
• Flexible Credit and Income Requirements – VA loans may offer more lenient qualification guidelines compared to conventional financing.
• Competitive Interest Rates – As a mortgage broker, we have the ability to shop multiple lenders to find you a highly competitive interest rate.
• Limits on Closing Costs – The VA places restrictions on closing costs, reducing upfront expenses for buyers.
• Lifetime Benefit – VA loan eligibility does not expire, and benefits can be used multiple times.

Who is a Good Fit for a VA Loan?

• Veterans, active-duty service members, or eligible surviving spouses
• Those looking for zero down payment options
• Homebuyers who want to avoid private mortgage insurance (PMI)
• Borrowers with a credit score of 580 or higher
• Those purchasing a primary residence (VA loans cannot be used for investment or secondary properties)

At Lending Leah, we’re honored to help our veterans and service members achieve homeownership with the benefits they’ve earned.

📞 Contact us today to see if you qualify!

A Bank Statement Loan is a great mortgage option for self-employed borrowers, business owners, freelancers, and independent contractors who may not have traditional W-2 income or tax returns to verify their earnings. Instead of using tax returns, lenders qualify borrowers based on their personal or business bank statements, making homeownership more accessible for those with non-traditional income sources.

Why Choose a Bank Statement Loan?

• No Tax Returns or W-2s Required – Qualification is based on 12 to 24 months of bank statements instead of traditional income documentation.
• Flexible Income Verification – Designed for self-employed individuals, gig workers, and entrepreneurs with strong cash flow.
• Competitive Loan Amounts – Borrow up to $3 million, depending on income and credit profile.
• Low Down Payment Options – Down payments typically start at 10% or more, depending on creditworthiness.
• Flexible Credit Requirements – Available for borrowers with credit scores as low as 660 (varies by lender).
• Available for Primary, Secondary, and Investment Properties – Use a bank statement loan to buy your dream home or expand your real estate portfolio.

Who is a Good Fit for a Bank Statement Loan?

• Self-employed borrowers, business owners, freelancers, and independent contractors
• Those who write off expenses on their tax returns and show lower taxable income
• Borrowers looking for alternative income documentation options
• Those purchasing a primary residence, second home, or investment property

At Lending Leah, we specialize in helping self-employed borrowers find mortgage solutions tailored to their unique financial situations.

📞 Contact us today to explore your options!

A DSCR Loan (Debt Service Coverage Ratio Loan) is a mortgage designed specifically for real estate investors. Unlike traditional loans that rely on personal income verification, DSCR loans qualify borrowers based on the cash flow of the investment property—making it easier for investors to expand their real estate portfolios without needing W-2s, tax returns, or personal income documentation.

Why Choose a DSCR Loan?

• No Personal Income Verification – Approval is based on the property’s rental income, not your personal earnings.
• Easier Qualification for Investors – Designed for borrowers who want to qualify based on the property’s cash flow rather than employment history or tax returns.
• Competitive Loan Amounts – Borrow up to $3 million depending on the property’s financial performance.
• Flexible Credit Requirements – Available for borrowers with credit scores as low as 660 (varies by lender).
• Available for Purchase or Refinance – Use DSCR loans to buy new investment properties or refinance existing ones for better terms.

How Does a DSCR Loan Work?

• Lenders calculate the Debt Service Coverage Ratio (DSCR) by dividing the property’s gross rental income by its total monthly mortgage payment (including principal, interest, taxes, and insurance).
• A DSCR of 1.0 or higher means the property’s income covers its expenses

Who is a Good Fit for a DSCR Loan? 

• Real estate investors looking to finance rental properties
• Borrowers who want to qualify based on property cash flow instead of personal income
• Those looking to purchase, refinance, or cash out equity from investment properties
• Investors seeking long-term rental or short-term (Airbnb/VRBO) financing

At Lending Leah, we help real estate investors secure the right financing to grow their portfolios with flexible and streamlined mortgage solutions.

📞 Contact us today to explore your DSCR loan options!

A Jumbo Loan is a mortgage designed for high-value home purchases that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re buying a luxury home, high-end property, or real estate in a competitive market, a jumbo loan can provide the financing flexibility you need.

Why Choose a Jumbo Loan?

• Higher Loan Limits – Borrow amounts above conforming loan limits (which vary by location).
• Competitive Interest Rates – As a mortgage broker, we have the ability to shop multiple lenders to find you a highly competitive interest rate.
• Flexible Down Payment Options – Depending on your financial profile, down payments typically start at 10% to 20%.
• No Private Mortgage Insurance (PMI) – Unlike some conventional loans, PMI is not required for most jumbo loans.
• Fixed and Adjustable Rate Options – Choose from a variety of loan terms that fit your financial goals.
• Available for Primary, Secondary, and Investment Properties – Use a jumbo loan to purchase your dream home, vacation retreat, or investment property.

Who is a Good Fit for a Jumbo Loan?

• Buyers purchasing high-value homes that exceed conventional loan limits
• Borrowers with strong credit (typically 680+) and a solid financial profile
• Homebuyers with 10% to 20% down payment capability
• Those purchasing primary residences, vacation homes, or investment properties

At Lending Leah, we specialize in helping buyers secure jumbo loan financing with personalized guidance and access to multiple lender options.

📞 Contact us today to discuss your jumbo loan options!

A Closed-End 2nd Mortgage is a loan that allows homeowners to access their home’s equity while keeping their existing first mortgage in place. This type of loan provides a lump sum of funds upfront, with a fixed interest rate and structured repayment terms—making it a great option for home improvements, debt consolidation, or major expenses.

Why Choose a Closed-End 2nd Mortgage?

• Access Your Home’s Equity – Borrow a lump sum without refinancing your first mortgage.
• Fixed Interest Rates – Enjoy the stability of predictable monthly payments.
• Flexible Loan Amounts – Borrow up to 85% of your home’s total value, depending on lender guidelines.
• Use Funds for Any Purpose – Great for home renovations, debt consolidation, medical expenses, or large purchases.

Who is a Good Fit for a Closed-End 2nd Mortgage?

• Homeowners with equity in their home who want to access cash
• Those looking for a fixed-rate alternative to a HELOC (Home Equity Line of Credit)
• Borrowers who want to keep their current first mortgage and rate
• Homeowners seeking funds for home improvements, debt consolidation, or other large expenses

At Lending Leah, we make it easy to leverage your home’s equity without disrupting your existing mortgage.

📞 Contact us today to explore your options for a Closed-End 2nd Mortgage!

A Home Equity Line of Credit (HELOC) is a flexible loan that allows homeowners to tap into their home’s equity as needed. Unlike a traditional loan, a HELOC works like a revolving line of credit, giving you access to funds over time rather than as a lump sum. Most HELOCs have adjustable interest rates, meaning your rate may fluctuate over time based on market conditions. This makes a HELOC a great option for home improvements, debt consolidation, emergency expenses, or other financial needs.

Why Choose a HELOC?

• Access Funds as Needed – Borrow only what you need, when you need it.
• Revolving Credit Line – As you repay, your available credit is replenished, similar to a credit card.
• Adjustable Interest Rates – Most HELOCs have variable rates that may change based on market conditions.
• Flexible Payment Options – During the draw period, you may have the option to make interest-only payments.
• Use Funds for Any Purpose – Ideal for home renovations, medical expenses, tuition, or other major costs.

How Does a HELOC Work?

• Draw Period (Typically 5-10 Years): Borrow funds as needed, making interest-only or principal + interest payments.
• Repayment Period (Typically 10-20 Years): Once the draw period ends, you’ll begin repaying the remaining balance in monthly installments.

Who is a Good Fit for a HELOC?

• Homeowners with available equity in their home
• Those who want ongoing access to funds instead of a lump sum loan
• Borrowers comfortable with an adjustable interest rate that may fluctuate over time
• Homeowners looking for a flexible way to finance large expenses over time

At Lending Leah, we help homeowners unlock the power of their home equity with personalized HELOC solutions.

📞 Contact us today to see if a HELOC is right for you!

A Doctor Loan is a specialized mortgage program designed to help medical and healthcare professionals purchase a home with more flexible qualification requirements. With expanded guidelines that account for student loan debt and future earning potential, this loan makes it easier for doctors and medical professionals to become homeowners—even with a high debt-to-income (DTI) ratio.

Why Choose a Doctor Loan?

• Loan Amounts Up to $2 Million – Finance a high-value home with greater borrowing power.
• Lower Down Payment Requirement – Minimum 10% down required.
• Flexible Qualification for High DTI Borrowers – Designed for medical professionals with student loan debt or employment beginning after closing.
• Fixed and Adjustable Rate (ARM) Options – Choose a loan type that fits your financial goals.
• No Private Mortgage Insurance (PMI) Required – Save money on monthly payments.

Who is Eligible?

• Medical Doctors (MD, DO)
• Medical Residents & Fellows
• Dentists (DMD, DDS)
• Veterinarians (DVM)
• General & Specialized Surgeons
• Podiatrists (DPM)
• Pharmacists

Program Requirements

• Purchase Only – This loan is for buying a home and cannot be used for refinancing.
• Primary Residence Only – Must be for a home you will live in.
• 620 Minimum Credit Score – Borrowers must meet this credit threshold to qualify.
• Expanded Guidelines – More flexibility for high DTI ratios due to student loans.

At Lending Leah, we specialize in mortgage solutions tailored to the needs of medical professionals. Whether you’re just starting your career or looking to upgrade your home, our Doctor Loan program can help make homeownership a reality.

📞 Contact us today to explore your Doctor Loan options!

A Foreign National Loan is a specialized mortgage program designed for non-U.S. citizens looking to invest in U.S. real estate. These loans are structured as DSCR (Debt Service Coverage Ratio) loans, meaning qualification is based on the property’s rental income rather than the borrower’s personal income. This makes it easier for international investors to finance investment properties in the U.S. without requiring U.S. credit history or traditional income documentation.

Why Choose a Foreign National Loan?

• Investment Properties Only – These loans are designed for rental and investment properties (not primary residences).
• Qualification Based on Rental Income – No U.S. credit history or income verification required; approval is based on the property’s Debt Service Coverage Ratio (DSCR).
• Flexible Repayment Options – Choose between fixed-rate or interest-only payment structures.
• No U.S. Credit Required – Qualify with a valid passport and proof of funds.
• Prepayment Penalties Apply – These loans typically include prepayment penalties, so investors should plan accordingly.

Program Requirements

• Minimum 30% Down Payment – A larger down payment helps offset risk and secures favorable loan terms.
• Valid Passport Required – Proof of identity is a key qualification requirement.
• 60-Day Chain of Funds – Borrowers must provide documentation showing the source of down payment and closing costs for at least 60 days.
• Investment Properties Only – This loan cannot be used for primary residences or vacation homes.

At Lending Leah, we specialize in helping international investors navigate the U.S. mortgage process with ease. If you’re looking to invest in U.S. real estate, our Foreign National Loan program provides the flexibility and financing options you need.

📞 Contact us today to explore your Foreign National Loan options!

A Construction-to-Permanent Loan, also known as a One-Time Close (OTC) Construction Loan, simplifies financing for building a new home by combining the construction loan and permanent mortgage into a single loan with one closing. This streamlined process saves time and money, offering both Conventional and VA loan options for qualified borrowers.

Why Choose a One-Time Close Construction Loan?

• One Loan, One Closing – No need for a second closing when construction is complete.
• Fixed and Adjustable Rate Options – Choose between fixed-rate or adjustable-rate (ARM) loans.
• Interest Rate Protection – Lock in your rate before construction begins, protecting you from potential increases.
• Flexible Loan Terms – Tailored to meet your long-term home financing needs.

Conventional One-Time Close Construction Loans

• Minimum Credit Score: 700
• Down Payment Required – Varies based on borrower qualifications and lender guidelines.
• Primary Residences Only – No second homes or investment properties.

VA One-Time Close Construction Loans

• Minimum Credit Score: 580
• No Down Payment Required – Eligible veterans and active-duty service members can finance 100% of the construction cost.
• VA Eligibility Required – Available for qualified veterans, active-duty military, reservists, and National Guard members.
• Primary Residences Only – No second homes or investment properties.

How Does the Process Work?

1. Pre-Approval – Get pre-approved to determine eligibility and loan amount.
2. Select a Builder – Choose a licensed, insured, and lender-approved builder.
3. Loan Closing – Close on the loan, covering both construction and permanent financing.
4. Construction Phase – Funds are disbursed to the builder in phases as the home is built.
5. Transition to Permanent Loan – Once construction is complete and inspections are approved, the loan converts seamlessly into a standard mortgage.

At Lending Leah, we help borrowers build their dream home with a smooth and stress-free financing process. Whether you’re looking for a Conventional or VA construction loan, we’re here to guide you every step of the way.

📞 Contact us today to get started on your Construction-to-Permanent Loan!

If you live and work in the U.S., you can purchase or refinance a home using your Individual Taxpayer Identification Number (ITIN)—no Social Security Number required! ITIN loans are designed for non-U.S. citizens who want to achieve homeownership without the need for a work visa, EAD, or green card.

Why Choose an ITIN Loan?

• Purchase or Refinance Options – Whether you’re buying a home or refinancing an existing loan, ITIN loans provide flexible solutions.
• No Work Visa, EAD, or Green Card Required – You can qualify with your ITIN alone.
• Flexible Credit Requirements – No credit score required, or a minimum of 600 if you have established credit.
• Loan Amounts Starting at $50,000 – Perfect for both smaller and larger home purchases.
• Low Down Payment – Minimum 15% down required.
• Gift Funds Allowed – You can use gifted funds toward your down payment.
• No Reserve Requirements – Unlike other loan programs, ITIN loans do not require reserves, making homeownership more accessible.

Who is a Good Fit for an ITIN Loan?

• Individuals who live and work in the U.S. but do not have a Social Security Number
• Borrowers who file U.S. taxes using an ITIN
• Homebuyers who do not have a work visa, EAD, or green card
• Those looking to purchase or refinance with flexible credit and income requirements

At Lending Leah, we believe homeownership should be accessible to everyone, regardless of citizenship status. If you’re looking for a simple, flexible mortgage solution, our ITIN Loan program may be the perfect fit for you.

📞 Contact us today to explore your ITIN loan options!

Looking to purchase or refinance a single or double-wide mobile home? Our Mobile Home Financing Loan offers a great alternative to traditional Conventional, VA, FHA, and USDA loans, which often have restrictions on the age of the home. This program provides flexible financing options with fewer limitations, making homeownership more accessible for mobile home buyers.

Why Choose a Mobile Home Financing Loan?

• Single & Double-Wide Mobile Homes Eligible – More flexibility in property types.
• No Age Restrictions – Unlike traditional loan programs, this product does not have age limitations on the home.
• No Acreage Restrictions – Finance your mobile home without worrying about lot size limits.
• Affixed to the Property – The mobile home must be permanently attached to the land.
• No Leased Land – The mobile home must be on owned land (not in a mobile home park or leased lot).
• Purchase or Refinance with Cash-Out Options – Use your home’s equity to access cash if needed.
• Minimum 30% Down Payment – Helps secure favorable loan terms.
• Gift Funds Allowed – Down payment assistance from family members is permitted.

Who is a Good Fit for This Loan?

• Homebuyers looking for alternative financing for mobile homes that don’t qualify for traditional programs.
• Those purchasing a single or double-wide mobile home permanently affixed to land.
• Borrowers who need purchase or refinance options, including cash-out refinancing.
• Buyers looking for no restrictions on home age or acreage size.

At Lending Leah, we make mobile home financing simple, flexible, and accessible. Whether you’re purchasing or refinancing, we’re here to help you find the best loan option for your needs.

📞 Contact us today to explore your mobile home financing options!

Whether you’re looking to purchase land for a future home, agricultural use, or long-term investment, our Vacant Land Loan provides flexible financing options to help you secure the perfect piece of property. With no acreage limits and loan terms up to 20 years, this program is designed to make land ownership more accessible.

Why Choose a Vacant Land Loan?

• No Acreage Limits – Finance large or small parcels of land with no restrictions.
• Loan Amounts from $100,000 to $865,000 – Borrow the amount you need based on the land’s value.
• Up to 65% Loan-to-Value (LTV) – Secure financing for a majority of the purchase price.
• Loan Terms Up to 20 Years – Choose a repayment plan that fits your budget.
• No Prepayment Penalties – Pay off your loan early without additional fees.
• Purchase or Refinance Options – Whether you’re buying land or refinancing an existing land loan, we’ve got you covered.

Program Requirements

• Minimum Credit Score: 660 for purchases, 680 for refinances.
• Eligible Zoning: Land must be zoned residential or agricultural (commercial zoning is not eligible).
• Down Payment Required: Borrowers must provide at least 35% of the land’s value as a down payment.

Who is a Good Fit for a Vacant Land Loan?

• Buyers looking to purchase land for future development, agricultural use, or investment.
• Landowners who want to refinance an existing land loan for better terms.
• Borrowers with qualifying credit (660+ for purchases, 680+ for refinances).
• Those looking for long-term land financing with no acreage restrictions.

At Lending Leah, we help buyers and investors secure the right financing for land ownership with flexible loan options and expert guidance.

📞 Contact us today to explore your vacant land loan options!