Our Loan Programs
More Lenders. More Options. Better Mortgages.
Scroll down and learn more about the various loan programs we offer. If the world of finance is Greek to you, contact us today and talk to one of our mortgage specialists. We are always happy to help, so reach out anytime.
The Coastal Funding Difference
These are just a few of the ways we live our slogan of "More Lenders — More Options"
Min FICO
620
Down Payment
3%
Broker Fees
$0
Conventional Loans
With access to the top lenders in the country, we offer a wide variety of Conventional loan options. Fixed and adjustable rate programs available for primary, second home, and investment properties.
- 15, 20 & 30 Year Fixed Rate
- 3/1, 5/1, 7/1 ARMs — lower initial rates
- HomePossible — great for low-to-moderate income first-time buyers
- HomeReady — flexible contributions, lower down payment & MI
- HomeStyle Renovation — finance purchase + remodel in one loan
- HomeOne — 3% down, ideal for first-time buyers
Min FICO
580
Down Payment
3.5%
Broker Fees
$0
FHA Loans
An FHA loan is great for first-time home buyers — government-guaranteed by the Federal Housing Administration with low down payment requirements and flexible credit guidelines.
- All Available FHA Programs
- 3.5% Down Payment — easier qualification for low-to-moderate income families
- Non-Occupying Co-Borrower allowed
- Streamline Refinances — faster process reusing original paperwork
- Cash-Out Refinancing available
- 203k Renovation Loan — finance purchase price + repair costs
Min FICO
580
Down Payment
0%
Broker Fees
$0
VA Loans
Established in 1944, VA loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs — honoring those who have served our country with exceptional financing benefits.
- Up to 100% Financing — no money down on purchase
- No Mortgage Insurance required
- IRRRL Refinance — lower your rate and monthly payment
- All Available VA Programs
- Primary residence purchases and refinances
- Competitive interest rates
Min FICO
620
Down Payment
0%
Broker Fees
$0
USDA Loans
USDA loans are special mortgages for low-to-moderate income home buyers in eligible rural and suburban areas. Guaranteed by the US Department of Agriculture with below-market interest rates and zero down.
- Up to 100% Financing — zero down payment
- Reduced mortgage insurance payments
- Below-market interest rates
- Not just for farmers — eligible areas include many suburbs
- Primary residence only
- Income limits apply based on area
Min FICO
580
Down Payment
Varies
Broker Fees
$0
Non-QM / Alternative Income
We overcome many of the income verification obstacles faced by self-employed borrowers, 1099 earners, and investors. Multiple documentation options available — no traditional W2 required.
- 12 & 24 Month Bank Statement Loans (Business or Personal)
- 1099 Only & CPA Letter Only programs
- Stated Income — Primary or Investment Property
- Assets as Income Program
- Bankruptcy, Foreclosure or Short Sale less than 2 years
- Jumbo Loans starting at 580 FICO
Min FICO
620
Down Payment
20%
Broker Fees
$0
Investment Property / DSCR
Qualify on the property's rental income — not your personal income. DSCR loans are purpose-built for real estate investors who want to grow their portfolio without W-2s, tax returns, or personal income documentation.
- No personal income or employment verification required
- Qualify on rental cash flow — DSCR as low as 0.75 on select programs
- LLCs and entities allowed as borrowers
- Single-family, 2–4 unit, condos, short-term rentals (Airbnb / VRBO)
- Loan amounts up to $3M+ — no limit on number of financed properties
- Interest-only options available for maximum cash flow
Eligible Property Types
Single Family (1–4 Units)
Townhomes
Condo (Warrantable / Non-Warrantable)
Condotel
Modular
Manufactured
Now Offering Business Loans
We have partnered with South End Capital to offer a full suite of business financing solutions for start-ups and established businesses alike.
Business Financing Solutions
From start-ups to established businesses, we have the capital solutions to help your business grow.
What Will You Need?
Visit our Required Items Checklist to see exactly what documents you'll need to get started.
Ready to Get Started?
Call us today for your free mortgage consultation. Our specialists are ready to find the right loan program for your unique situation.
(833) 457-6500