Loan programs
Loan programs for the way your file works.
Different file, different desk. We route yours to the programs that read it, and the terms come back in writing.
Priced to your file
Options aligned to your credit, income, and assets.
- Built around how your file works
- Programs matched to your goals
- Clear next steps, start to finish
Options that fit the goal
Programs compared side by side, in writing.
- Understand what each desk reads
- See how each supports the goal
- Terms come back in writing
Prove income differently
Self-employed and alt doc
Income documented the way you actually earn it: deposits, 1099s, a CPA-prepared P&L, or a tax file built on an ITIN instead of a Social Security number.
Skip personal income
Investor and no personal income
Files underwritten on the property's rent, your assets, or international documentation. Your personal income stays out of it.
Strong files, bigger boxes
Full doc and expanded
Fully documented files the agency box still turns away: loans above the conforming limit, recent credit events, and retirement-sized portfolios.
Borrow behind the first
Second liens and equity
Keep the first mortgage you like and borrow behind it, documented full doc or with the same alt-doc paths as a first lien.
Not sure which row is yours
You do not have to name the program.
Tell us how you earn and what you are buying. Matching the file to the desk that reads it is our job, not a test you have to pass first.
Start with your situationEvery property type
The building decides the desk
Single-family homes are the default lane. Condos, condotels, manufactured homes, and 2-4 unit buildings each move the file to a different set of desks. The tiles below say how.
Single family
Detached homes and townhomes fit every program above. The default lane.
Don’t see your scenario? That is what the intake is for. Describe it and a licensed loan expert routes the file. Start with your goal, or run numbers first with the calculators.
Not sure which program fits?
A few quick questions route your file to the right lane. No hard credit pull, and every answer arrives in writing.
This is not a commitment to lend or an offer of credit. All loan approvals are subject to credit review, underwriting, and property evaluation. Programs, terms, and conditions are subject to change without notice.
Intel Loans, Inc., NMLS #2858705. Licensed in Florida. Verify our licensing at nmlsconsumeraccess.org. Equal Housing Opportunity.