Specialty Mortgage Financing
Choose from a variety of mortgage solutions for whatever your specialty needs may be.
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Your Home, Your Way: Specialty Mortgage Financing
At First Heritage Mortgage, we believe your financial situation and mortgage needs are unique — just like the home you seek. That’s why we’re proud to offer an ever-growing suite of specialty mortgage programs. With bridge loans, non-warrantable condo loans, as well as bank statement loans and debt service coverage ratio (DSCR) loans, we’ve got your financial solutions covered.
DSCR Loans
Maximize your rental income potential with a DSCR loan, designed specifically for real estate investors. This flexible financing option uses your property’s rental income, not your personal income, to qualify.
Whether you’re expanding your short-term rental portfolio or investing in long-term leases, DSCR loans offer the flexibility to close in your personal name or through an LLC. This makes them a smart choice for a variety of investment strategies.
As investor-focused lending specialists, we’ll help you move fast with clear underwriting, quick pre-approvals, and expert guidance every step of the way.
Learn MoreBridge Loans
Timing the sale of one home and the purchase of another can be tricky, but with a bridge loan, you don’t have to miss a beat. This specialty short-term financing solution allows you to buy your next property before selling your current one — a common need in today’s fast-paced market.
While bridge loans are designed for short repayment periods of 1-3 years, the advantages are significant. You can make a strong, non-contingent offer to beat out competitors. You’ll also have the flexibility to negotiate and wait for the right buyer rather than feeling pressured to accept a lowball offer.
As an experienced bridge loan mortgage lender, we’re ready to guide you through every step, from underwriting to navigating carrying two mortgages.
Learn MoreNon-Warrantable Condo Loans
Finding financing for a non-warrantable condo can be an uphill battle with conventional lenders. These properties often fail to meet strict guidelines around factors like occupancy ratios, HOA control, new construction status, and more.
As a leading non-warrantable condo mortgage lender, we specialize in creative solutions that can make your condo dream a reality. Our extensive product menu includes options like bank statement loans for self-employed borrowers, asset depletion loans, jumbo non-warrantable loans, and investor property loans.
While non-warrantable condo loans typically require higher down payments and credit score benchmarks, our in-house underwriters take a personalized approach. We evaluate each condo association individually, often approving loans others won’t.
Your Homeownership Partner
No matter your situation as a buyer, owner, or investor, our specialty mortgage financing lender team is here to clear the path toward your real estate goals. From our deep expertise to our exceptional service, you can count on us for an honest, transparent mortgage process.
Your home should be a source of pride and opportunity — never an obstacle. Contact us today to get started.
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Get in touch with our team of specialty mortgage loan experts to learn more about the loan option that’s best for you.
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Begin your journey towards home ownership today.