A full range of ways to qualify.
Anchor Residential Lending originates loans through a network of wholesale lending partners. Program availability and terms are determined by the wholesale lender and vary by borrower qualification.
Established programs for a wide range of buyers and homeowners.
Conventional
Purchase and rate-and-term or cash-out refinance for borrowers who qualify with standard income, asset and credit documentation. Fixed and adjustable-rate options are available.
FHA
Government-insured financing with flexible credit and down payment guidelines, often a fit for first-time buyers.
VA
Financing for eligible veterans, service members and surviving spouses, with benefits not found on most other programs. Eligibility and entitlement requirements apply.
USDA & Jumbo
USDA financing for eligible rural and suburban properties, plus Jumbo financing above conforming loan limits for qualified borrowers.
For files that do not fit a conventional box.
Self-employed borrowers, investors and non-resident buyers often qualify under these programs.
Bank Statement
Qualification based on personal or business bank statement deposits rather than tax returns, built for self-employed borrowers.
Asset Utilization
Qualification using verified liquid assets in place of traditional employment income documentation.
ITIN / Foreign National
Financing options for borrowers without a Social Security number, including ITIN holders and non-resident buyers.
DSCR Investment Property
Financing for residential investment (1-4 unit) rental properties, qualified using property cash flow rather than personal income.
Your options are wider than refinancing or waiting.
Many homeowners have a first mortgage they would rather keep. We look at what makes sense for your goals, including the costs and how long it takes to come out ahead, before you commit to anything.
Rate-and-term refinance
Change your loan's term or structure when your situation or the market gives you a reason to. We walk through the costs and the break-even point first.
Cash-out refinance
Replace your current loan with a new one and take some of your equity as cash, for qualified borrowers.
Home equity second mortgage
Access your equity without replacing the first mortgage you already have. Availability depends on the wholesale lender, the property and borrower qualification.
Not sure which program fits?
That is what a licensed originator is for. Tell us about your situation and we will walk you through the real options.