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Specialty Mortgage Loans for Unique Needs
Tailored mortgage solutions for unique financial needs.
Get a free consultation to explore your specialty loan options.
Specialty Home Loans from a Lender You Can Rely On
Specialty mortgage loans offer flexible financing for borrowers with non-traditional needs. Whether you’re self-employed, an investor, or purchasing a unique property, Strong Home Mortgage provides personalized solutions to fit your goals. We design our specialty mortgage loans to offer flexibility where conventional loans fall short. With competitive rates and a seamless process, we make securing the right loan simple and efficient.
What Are Specialty Mortgage Loans?
Specialty mortgage loans are designed for those with unique financial situations that don’t fit standard loan requirements. These loans can accommodate borrowers with non-traditional income, investors, or buyers of niche properties like luxury homes or multi-unit residences. Strong Home Mortgage can help you secure financing when conventional loans aren’t the right fit. With our specialty loans, you can access flexible terms and personalized support to help you achieve your homeownership or investment goals.
Debt Service Coverage Ratio (DSCR) Loans
The DSCR loan maximizes potential returns for both new and seasoned property investors. Investors repay these loans using the income from the property they plan to purchase or refinance. Lenders base repayment ability on income from the property rather than employment income, making it ideal for investors who don’t always receive a steady paycheck or who can demonstrate a track record with income-generating properties. Investors can use DSCR loans to finance properties featuring short or long-term rentals.
Foreign Nationals
Loans designed for non-US citizens and non-US residents who seek to invest in US real estate. Financing generally includes more stringent requirements and conditions but allows borrowers without a US credit score, green card, visa, or social security number an avenue to obtain eligible home financing.
Non-Qualified Mortgage
Non-qualified mortgages are loans that do not follow traditional guidelines. Some loan types include jumbo loans (exceeds conforming loan limits), interest-only payments, or terms longer than 30 years. A bank statement loan may be ideal for self-employed borrowers who struggle to qualify for a loan using tax return net income but can alternatively qualify using a 12-month bank statement analysis. Strong Home Mortgage can help non-traditional borrowers explore a variety of loan options.
Simple Steps to Secure Your Specialty Mortgage Loan
- Consultation — Our loan officers will help you explore specialty mortgage loan options
- Submit Documents — Upload your financial records securely through our portal
- Underwriter Review — An underwriter reviews your eligibility
- Approval — Finalize your loan terms
- Close with Confidence — Our team ensures a smooth, on-time closing process