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Explore your options

The right structure begins with the full picture.

Explore conventional financing and partner-arranged hard money/private lending for appropriate investment or business-purpose property scenarios. Complex situations deserve considered solutions, subject to lender criteria.

Conventional

Flexible financing for many primary, second-home, and investment scenarios.

Use
Purchase or refinance
Property
Primary, second or investment
Review
Credit, income and down payment

Conventional loans may offer varied term and down-payment structures. Mortgage insurance, reserves, and documentation depend on the complete borrower and property scenario.

Discuss this program

FHA

Government-insured financing with borrower-friendly qualification options.

Structure
Government-insured
Use
Primary residence
Review
Mortgage insurance and property

FHA financing includes mortgage insurance and property requirements. Eligibility, limits, and total cost should be reviewed for your specific transaction.

Discuss this program

VA

A benefit-focused path for eligible service members, veterans, and qualifying spouses.

Who
Eligible military borrowers
Use
Primary residence
Review
Eligibility and entitlement

VA eligibility and entitlement must be verified. Funding fee, occupancy, property, and lender requirements can apply.

Discuss this program

Jumbo

Financing for homes above standard conforming loan limits.

Size
Above conforming limits
Who
Higher-value home financing
Review
Income, reserves and appraisal

Jumbo financing commonly requires detailed asset, reserve, credit, income, and appraisal review. Terms vary by lender and scenario.

Discuss this program

Investor / DSCR

Property-focused options for qualifying real estate investors.

Use
Investment property
Focus
Property cash flow
Review
Reserves and lender terms

Investor and DSCR programs may assess property cash flow alongside borrower and property factors. Availability, prepayment terms, reserves, and documentation vary.

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Hard Money / Private Lending

Partner-arranged financing for investment or business-purpose property scenarios.

Use
Investment or business-purpose property
Access
Arranged through lending partners
Review
Property, equity and exit strategy

LendersUSA arranges access to hard money and private lending through lending partners; it does not directly fund loans. Property, equity, exit strategy and business purpose are reviewed against lender criteria. Availability and suitability require individual review.

Discuss this program

General program education. Specific availability and eligibility require individual review.

Ready when you are

Let’s make the numbers personal.