Every financing path we review.

A DSCR (debt service coverage ratio) loan is a business-purpose investment property loan where lenders look primarily at the property's rental cash flow rather than the borrower's personal income documentation.

A bank statement loan is a non-QM program where a lender may review personal or business bank deposits over a set period in place of tax returns to establish qualifying income.

A HELOC is a revolving line of credit secured by your home. During the draw period you can access funds as needed, repay, and draw again, subject to the terms of the line.

A conventional mortgage is a loan offered through private lenders that is not insured or guaranteed by a federal government loan program such as FHA, VA or USDA.

An FHA loan is a mortgage made by an approved private lender and insured by the Federal Housing Administration, part of the U.S. Department of Housing and Urban Development.

A VA loan is a mortgage made by a private lender and partially guaranteed by the U.S. Department of Veterans Affairs for borrowers who meet VA service eligibility requirements.

A USDA guaranteed loan is a mortgage made by an approved lender and backed by USDA Rural Development for eligible properties in designated areas and borrowers within applicable income limits.

A jumbo loan is a mortgage with a loan amount above the applicable conforming loan limit for the property's county and unit count, so it is underwritten to each lender's own guidelines.

No-income verification programs are non-QM loans where lenders review factors other than standard employment income documentation, such as property cash flow, assets or equity position.

A P&L program is a non-QM path where a profit and loss statement, often prepared by a CPA or licensed tax preparer, may be used to support qualifying income for a self-employed borrower.

A 1099 program is a non-QM path where qualifying income may be derived from 1099 forms for independent contractors, commissioned professionals and gig-economy earners.

Asset utilization programs allow a lender to convert eligible, documented liquid assets into a qualifying income figure using a defined formula rather than relying on employment income.

Commercial financing covers business-purpose loans secured by commercial, mixed-use, multifamily or owner-user property, where the review centers on the asset, the business and the sponsor.

Fix and flip financing is short-term, business-purpose lending that funds the purchase of an investment property and, on many programs, a portion of the renovation budget through scheduled draws.

Construction financing funds a ground-up build or major renovation in stages, with funds released through a draw schedule as verified work is completed.

Hard money is short-term, business-purpose financing secured primarily by the property, typically used when speed or an unconventional scenario makes standard financing impractical.

ITIN programs are offered by select lenders for borrowers who file U.S. taxes with an Individual Taxpayer Identification Number rather than a Social Security number.

Foreign national programs are offered by select lenders for non-resident borrowers purchasing U.S. property, typically without a U.S. credit profile or U.S. income documentation.

A cash-out refinance replaces your existing mortgage with a new, larger loan and returns the difference to you as proceeds, subject to equity and lender guidelines.

Purchase and rate-and-term refinance covers standard home financing and refinances undertaken to change the rate, term or structure of an existing loan without drawing equity as cash.

A second-look review is a no-obligation review of a scenario that was declined or stalled elsewhere, comparing it against the programs available through the UPM lender network.