Conventional, FHA, VA, Jumbo & DSCR Loans — NTMG Lending
Tree-lined residential street with family homes
Loan programs

Every loan. One place.

From conventional to DSCR, FHA to bank statement: if the loan exists, we can get it for you at a highly competitive rate.

Conventional Loans

The gold standard. Competitive rates with down payments starting at 3%. Fixed and adjustable rate options available.

3% DownFixed & ARM620+ FICO
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FHA Loans

Government-backed financing designed for first-time buyers and those rebuilding credit. Flexible guidelines, low barriers to entry.

3.5% Down500+ FICOGift Funds OK
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VA Loans

The ultimate benefit for veterans and active military. Zero down payment, no PMI, and highly competitive rates.

0% DownNo PMIVeterans Only
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Jumbo Loans

High-value financing above conforming limits. Competitive terms for luxury properties, second homes, and investment real estate.

$750K+Fixed & ARM
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Bank Statement Loans

Self-employed? Qualify using 12–24 months of bank statements. No tax returns or W-2s required.

No Tax ReturnsSelf-Employed
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DSCR / Investor Loans

Qualify on rental income, not personal income. No income docs, no employment verification. Built for investors scaling fast.

No Income DocsRentals & STR
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Non-QM / Stated Income

Alternative qualification for borrowers who don't fit traditional guidelines. Stated income, asset-based, P&L only, and more.

Stated IncomeAsset-BasedP&L Only
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HELOC

Home Equity Line of Credit: a revolving line you draw from as needed. Pay interest only on what you use. Close as fast as 5 days.

5-Day CloseNo Appraisal OptionsVariable Rate
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Home Equity Loan

Fixed-rate second mortgage delivered as a lump sum. Predictable payment, fast funding, no changes to your first mortgage.

Fixed RateLump SumKeep 1st Mortgage
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60 seconds · No SSN · Zero credit impact

Find the program that fits you.

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Home Equity Refinance Buy a Home Get My Options Call (949) 599-8580

NMLS #236669 · Equal Housing Lender

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