Advisor Service Archive

No Doc Loan

This special program designed for individuals who may be lack any credit OR income sources. Our No-Doc Loan program is a true No Income/ NoCredit alternative lending program. Loan Amounts: $300,000 – $5,000,000 Down Payment: 30% Required to put 36 months of payments in an escrow account. This account be used for monthly payments

ITIN

An ITIN is an Individual Tax Identification Number (ITIN) issued by the IRS and can be used as a form of ID for individuals. ITIN loans are a unique kind of loan for individuals that may not have the traditional documentation needed to obtain mortgage loans. Loan Amount: $150,000 – 1,000,000 Down Payment: 20%. Can be […]

JUMBO Loans

We make your dream home reality with as little as 20% down on jumbo loan mortgages. Looking to move up to a larger home? Our Luxury Home Loans are ideal for move up buyers, we offer loan amount up to $5,000,000. Loan Direct offers flexible credit requirements including: Loan amount up to $5,000,000 Foreclosure: No […]

Credit Challenged Loans

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 credit score of 500 Income Documentation: Full Doc OR Stated […]

Alternative Loans

We offer industry most comprehensive document options for qualification. For applicants who may not have traditional income sources and cannot document income by tax returns, we have the following options: Cash Flow Analysis Profit and Loss Asset depletion Debt Service: Investment Properties

Self-Employed Loans

Are you self-employed, your income is inconsistent, or insufficient due to large write offs? We can help. No tax returns required. Self-employed applicants often have challenges in applying for home loans due to the large write offs on their taxes. At Loan Direct, we understand that your income are hard to document and thus have designed […]

VA 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. VA loans are designed specifically for military personnel both active and inactive. If you are an […]

FHA Loans

Buying your first home does not have to be complicated if you have the right lending partner. We have an experienced team of lending specialists to help you navigate through. We offer a wide range of loan products to choose from. Because FHA loans are insured by the Federal Housing Administration (FHA), it’s easier to […]

Conventional Loans

Conventional Conventional or Conforming loans are available at Loan Direct with more flexibility than other lenders. We use a common sense approach to underwriting. A conventional loan is not associated with the FHA, USDA, or VA. It generally requires at least 5% down (though it can be as low as 3% for some buyers), but […]

Investor Lending

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 20% Credit Score 620 Minimum Income Documentation: None Required Purpose: Investment Properties Only […]

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