LOAN OPTIONS

LOAN OPTIONS

TRADITIONAL LOAN OPTIONS

These loan programs are the most common mortgages available on the market. Suitable for borrowers that have decent credit scores along with verifiable income and employment for the last two years.

CONVENTIONAL LOAN

TRADITIONAL LOAN OPTIONS

These loan programs are the most common mortgages available on the market. Suitable for borrowers that have decent credit scores along with verifiable income and employment for the last two years.

CONVENTIONAL LOAN

A traditional 30 year fixed mortgage perfect for applicants with a relatively straightforward financial situation. This is a full document loan requiring two years of work history and documentation.

CONVENTIONAL LOAN

A traditional 30 year fixed mortgage perfect for applicants with a relatively straightforward financial situation. This is a full document loan requiring two years of work history and documentation.

FHA LOAN

The go to option for first time homebuyers. This is a government backed loan which allows for very lenient credit score and down payment requirements. FHA loans are a great option if your credit score is below 700 or if you plan on placing less than 10% down payment.

FHA loan program

FHA LOAN

The go to option for first time homebuyers. This is a government backed loan which allows for very lenient credit score and down payment requirements. FHA loans are a great option if your credit score is below 700 or if you plan on placing less than 10% down payment.

VA 30 year fixed loan

VA LOAN

VA loans are backed the department of Veterans Affairs and is available to eligible veterans. This program is undoubtedly the most competitive program around. No down payment required, no monthly mortgage insurance, competitive interest rates, no loan limits, and lenient credit score requirements.

VA 30 year fixed loan

VA LOAN

VA loans are backed the department of Veterans Affairs and is available to eligible veterans. This program is undoubtedly the most competitive program around. No down payment required, no monthly mortgage insurance, competitive interest rates, no loan limits, and lenient credit score requirements.

EQUITY ACCESS PROGRAMS

In need of accessing equity on your primary residence or investment property but don't want to touch your first mortgage? Explore these great options to access equity under terms that make sense for you.

EQUITY ACCESS PROGRAMS

In need of accessing equity on your primary residence or investment property but don't want to touch your first mortgage? Explore these great options to access equity under terms that make sense for you.

CLOSED END 2ND MORTGAGE

Access up to $400,000 in equity on primary or investment properties using a second mortgage on varying fixed rate terms. There are multiple income verifications options available, including: two years of tax returns, bank statements only, or profit and loss only.

2nd mortgage loan program

CLOSED END 2ND MORTGAGE

Access up to $400,000 in equity on primary or investment properties using a second mortgage on varying fixed rate terms. There are multiple income verifications options available, including: two years of tax returns, bank statements only, or profit and loss only.

2nd mortgage loan program
5 day HELOC Home Equity Line of Credit

HOME EQUITY LINE OF CREDIT (HELOC)

Access up to $400,000 in equity on primary or investment properties using a HELOC. Applicants must be able to qualify based on the last two years of tax returns. Second and third lien positions are available. Close and fund in as little as 5 day with limited closing costs. Draw period options of 3 or 5 years. Variable and fixed rate options available.

5 day HELOC Home Equity Line of Credit

HOME EQUITY LINE OF CREDIT (HELOC)

Access up to $400,000 in equity on primary or investment properties using a HELOC. Applicants must be able to qualify based on the last two years of tax returns. Second and third lien positions are available. Close and fund in as little as 5 day with limited closing costs. Draw period options of 3 or 5 years. Variable and fixed rate options available.

NON TRADITIONAL LOAN OPTIONS

The solution for borrowers that have more complicated financial situations such as established business owners, entrepreneurs, professional athletes, independent contractors, and investors. These programs have more lenient underwriting requirements for credit and income verification.

NON TRADITIONAL LOAN OPTIONS

The solution for borrowers that have more complicated financial situations such as established business owners, entrepreneurs, professional athletes, independent contractors, and investors. These programs have more lenient underwriting requirements for credit and income verification.

BANK STATEMENT LOAN

This mortgage program is designed specifically for self-employed individuals. No tax returns are required to qualify. Qualifying income is based on the average amount of deposits going into a bank account across 12 or 24 months. A perfect solution when tax returns do not reflect the true amount amount of profit generated from the business.

Bank Statement loan program

BANK STATEMENT LOAN

This mortgage program is designed specifically for self-employed individuals. No tax returns are required to qualify. Qualifying income is based on the average amount of deposits going into a bank account across 12 or 24 months. A perfect solution when tax returns do not reflect the true amount amount of profit generated from the business.

Bank Statement loan program
Profit and loss only loan

PROFIT AND LOSS ONLY

This mortgage program is designed specifically for self-employed individuals with more sophisticated financial situations. It's an ideal program if there a multiple income streams, we eliminate the burden of documenting the source of each revenue stream by consolidating the paperwork required to a simple profit and loss sheet that covers 12 or 24 months. A tax preparer or CPA must prepare the P&L to qualify.

Profit and loss only loan

PROFIT AND LOSS ONLY

This mortgage program is designed specifically for self-employed individuals with more sophisticated financial situations. It's an ideal program if there a multiple income streams, we eliminate the burden of documenting the source of each revenue stream by consolidating the paperwork required to a simple profit and loss sheet that covers 12 or 24 months. A tax preparer or CPA must prepare the P&L to qualify.

DSCR LOAN

A perfect combination of lenient guidelines and competitive pricing that makes for an ideal in-between of conventional and hard money financing for investment properties only. No income or employment verification required. Qualify strictly based on the rental income. Quick streamlined closings.

DSCR loan

DSCR LOAN

A perfect combination of lenient guidelines and competitive pricing that makes for an ideal in-between of conventional and hard money financing for investment properties only. No income or employment verification required. Qualify strictly based on the rental income. Quick streamlined closings.

DSCR loan
DSCR Loan 5-8 units

DSCR (5-8 Units) LOAN

DSCR loan with extended guidelines to allow up to eight units. Mixed use properties are eligible. No income or employment verification is required. Qualify based on rental income only.

DSCR Loan 5-8 units

DSCR (5-8 Units) LOAN

DSCR loan with extended guidelines to allow up to eight units. Mixed use properties are eligible. No income or employment verification is required. Qualify based on rental income only.

Isaac Sanchez Mortgage Broker VirtuaLending

(NMLS Lic. #2015906) Is an equal housing lender. This is not a commitment to lend or extend credit. Programs, rates, terms and conditions are subject to change without notice. Terms and conditions apply. All rights reserved. Contact us for details. Consult your accountant about tax deductions. NMLS Consumer Access

Isaac Sanchez Mortgage Broker VirtuaLending
Isaac Sanchez Los Angeles Mortgage Broker
Isaac Sanchez Los Angeles Mortgage Broker
Isaac Sanchez Los Angeles Mortgage Broker
Isaac Sanchez Los Angeles Mortgage Broker
Isaac Sanchez Los Angeles Mortgage Broker