Specialty Mortgage Financing
Choose from a variety of mortgage solutions for whatever your specialty needs may be.
Connect With A Loan OfficerThere’s a loan for that
Most people assume that if a traditional mortgage doesn’t work, the dream stops there. It doesn’t.
At First Heritage Mortgage, we offer a full suite of specialty financing options for borrowers and situations that fall outside the conventional box. Whether you’re self-employed, investing in rental properties, buying a non-warrantable condo, or a medical professional navigating a unique income situation — we have a program built with you in mind.
DSCR Loans
Real estate investors, this one’s for you. A Debt Service Coverage Ratio (DSCR) loan lets you qualify based on your property’s rental income, not your personal tax returns. Whether you’re building a short-term rental portfolio or acquiring long-term investment properties, DSCR loans give you the speed and flexibility to act. Close in your own name or through an LLC, with no cap on the number of properties you can finance.
Learn MoreNo tax returns
Bank Statement Loans
Running your own business is hard enough. Getting a mortgage shouldn’t be. If you’re self-employed, your tax returns often don’t reflect what you actually earn. A Bank Statement Loan lets you qualify using 12 or 24 months of personal or business bank statements instead. No tax returns required. Just a straightforward path to the home you’ve worked hard to afford.
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Non-Warrantable Condo Loans
Found the condo you love, but heard it’s “non-warrantable”? Don’t walk away. Non-warrantable simply means the property doesn’t meet standard guidelines. This is often due to high investor ownership, building litigation, or new construction status. It doesn’t mean you can’t get financing. First Heritage Mortgage specializes in non-warrantable condo loans, with loan amounts up to $2 million and options for primary residences, second homes, and investment properties.
Loans for Medical Professionals
You’ve dedicated years to building your career. Your mortgage should reflect that. Our suite of mortgage solutions for medical professionals is designed around the unique income path of healthcare providers, including residents, fellows, and newly contracted professionals. Qualify using a future employment contract, borrow up to $2 million, and buy your home with as little as zero down. No mortgage insurance required for qualified borrowers.
Learn MoreThe right loan is out there. Let’s find it together
Every borrower has a story, and every situation deserves a real solution. Our specialty lending team brings deep expertise, honest guidance, and a genuine commitment to helping you move forward, no matter how complex your situation may seem.
Your home should be a source of pride and possibility. We’re here to make that happen.
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Ready? Let’s get started
Talk to a First Heritage Mortgage loan officer today. We’ll take the time to understand your situation and help you find a specialty loan program that actually works for you.
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