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RESIDENTIAL LOANS

At Loan Direct, we believe everyone deserve a chance at the American Dream. Thus we have designed a broad selection of loan products to suit your needs.

CALL US AT (877) 88-LOANS

Buying your first home does not have to be complicated if you have the right partner. We have an experienced team of
lending specialists to help you navigate through. We offer wide range of loan products to choose from, including FHA, VA and USDA loans

  • Minimum Down Payment: 3.5%
  • Credit Score 580 Minimum
  • Income Document: 2 years tax returns including W2’s
  • Purpose: Primary Residence Only
  • Currently Accepting Applications in: CA, CO, OR and TX

A credit mishap does not mean a bad borrower.  There are certain moments in life that are unexpected.  We understand those moments. Therefore, we designed a full suite of products to assist you to achieve the American dream of homeownership.

  • Minimum Down Payment: 20%
  • Minimum FICO: 500
  • Income Documentation: Full Doc OR Stated Income (Required 600 for Stated)
  • Bankruptcy: No Problem
  • Foreclosure: No Problem
  • Short Sale: No Problem
  • Purpose: Primary Residence & Investment
  • Currently Accepting Applications in: CA, CO, OR and TX

Are you self-employed, your income is inconsistent, or insufficient due to large write offs? We can help. No tax returns required. Contact us today to learn about our unique lending options for self-employed loans nationwide! 

  • Minimum Down Payment: 20%
  • Minimum FICO: 500
  • Income Documentation: Full Doc OR Stated Income (Required 600 for Stated)
  • Bankruptcy: No Problem
  • Foreclosure: No Problem
  • Short Sale: No Problem
  • Purpose: Primary Residence & Investment
  • Currently Accepting Applications in: CA, CO, OR and TX

If you are a seasoned investor, you may find yourself often use “private” or “hard money” loans for your investment properties.  We designed a program with ease of qualifying without the high cost of “private” or “hard money” loans.

  • Minimum Down Payment 25%
  • Credit Score 600 Minimum
  • Income Documentation: None Required
  • Purpose: Investment Properties Only
  • Currently accepting applications nationwide EXCEPT: NV, ND, SD, NY, NJ

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