Look at the property. And the bigger picture.
Investment financing differs from owner-occupied lending. Review rental-income treatment, down payment, reserves, and the full cost of owning the property.
Start with your goals.
Buyers and owners exploring eligible non-owner-occupied financing.
- Compare financing for your property type.
- Review cash flow alongside financing costs.
- Discuss documentation, reserves, and rental income.
What to consider.
- Rates, down payments, and fees can differ from primary-residence loans.
- Rental income does not automatically qualify you for financing.
- Availability and investment risks should be reviewed before proceeding.
From questions to a plan.
- Discuss property and ownership plans.
- Review income, assets, and rental documentation.
- Compare eligible financing and ownership costs.
Have a specific scenario?
Rates, fees, eligibility, and available programs depend on your financial circumstances, the property, and the lender. Request a personalized discussion rather than relying on a general program description.
Read the CFPB’s loan guideGood questions.
Clear answers.
Mortgages come with questions.
Let’s start with the ones on your mind.
Should I get preapproved before finding a home?
Starting early helps you understand your budget and identify documentation needs. A lender may issue a conditional preapproval after reviewing your information. Final approval still depends on underwriting, the property, and other conditions.
What is the difference between prequalification and preapproval?
Prequalification generally uses information you provide to give an initial picture. Preapproval typically includes a more detailed review of credit and documentation. Requirements vary by lender, and neither is an unconditional commitment to lend.
What does an independent mortgage broker do?
A broker helps you compare eligible loans from multiple lenders and guides the process. Compare the interest rate, APR, fees, term, and total payment. Ask how the broker is compensated and which lenders are being considered.
What documents will I need?
Depending on your circumstances, a lender may request income records, pay statements, bank statements, tax returns, identification, and information about other properties. Send sensitive documents only through the verified secure application portal.
Will requesting a quote affect my credit?
This website inquiry does not request your Social Security number or pull credit. A later application may require a credit review with the appropriate authorization. Ask what type of credit inquiry is required before proceeding.
How do I know whether refinancing makes sense?
Compare closing costs, payment changes, break-even time, remaining term, and total interest. A lower payment alone does not establish savings. Our refinance calculator is a starting point for a full loan comparison.
Let’s find your
way home.
A real conversation. A clearer plan. A mortgage that fits your life.