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10 Loan Types • ITIN & Non-QM Expert

Loan Programs for Every Situation

ITIN, DSCR, Bank Statement, HELOC, Investor loans — we specialize in creative financing solutions. Traditional programs too. Let's find your path to homeownership.

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ITIN Loans

No Social Security number? No problem. Financing for ITIN holders.

  • Use Individual Taxpayer ID
  • 10-20% down payment options
  • Primary residence financing
  • Path to homeownership for immigrants

Ideal for:

ITIN holders without SSN

DSCR Loans

Debt Service Coverage Ratio loans — qualify based on rental income, not personal income.

  • No personal income verification
  • Qualify using property cash flow
  • Ideal for rental properties
  • Close in LLC or personal name

Ideal for:

Real estate investors with rental properties

Bank Statement Loans

Self-employed? Use 12-24 months of bank statements instead of tax returns.

  • No W-2s or tax returns needed
  • Personal or business statements
  • Flexible income calculation
  • Great for entrepreneurs & gig workers

Ideal for:

Self-employed, 1099, business owners

HELOC & Cash-Out Refinance

Access your home equity for renovations, debt consolidation, or investments.

  • Tap into your home equity
  • Use funds for any purpose
  • Competitive rates
  • Keep your current mortgage (HELOC)

Ideal for:

Homeowners with equity built up

Investor Loans

Build your real estate portfolio with specialized investor financing.

  • 1-4 unit investment properties
  • Fix & flip financing
  • Portfolio lending options
  • No limit on properties owned

Ideal for:

Active real estate investors

Conventional Loans

Traditional financing with competitive rates for qualified borrowers.

  • Down payments as low as 3%
  • No upfront mortgage insurance
  • Flexible terms: 10-30 years
  • Primary, second home, or investment

Ideal for:

Good credit (620+) and stable income

FHA Loans

Government-backed loans designed for first-time and credit-challenged buyers.

  • 3.5% down with 580+ credit
  • Lower credit score requirements
  • Gift funds allowed for down payment
  • Assumable loans

Ideal for:

First-time buyers or lower credit scores

VA Loans

Exclusive benefits for veterans, active military, and eligible spouses.

  • Zero down payment required
  • No PMI ever
  • Competitive interest rates
  • Limited closing costs

Ideal for:

Veterans and active-duty military

USDA Loans

Rural development loans with no down payment for eligible areas.

  • 100% financing available
  • Below-market interest rates
  • Low mortgage insurance
  • Flexible credit guidelines

Ideal for:

Buyers in eligible rural areas

Jumbo Loans

Financing for luxury homes exceeding conforming loan limits.

  • Loan amounts over $766,550
  • Competitive rates
  • Various term options
  • Investment property eligible

Ideal for:

High-value property purchases

Why Choose The Mortgage Fellas?

$100M+ in loans funded. Bilingual experts (Español/English) specializing in ITIN, DSCR, and Non-QM loans.

Bilingual Service

Español & English — clear communication every step

$100M+ Funded

500+ families helped into homeownership

ITIN & Non-QM Expert

Solutions when traditional lenders say no