Our Mortgage Programs
Our Mortgage
Programs
Your dream home is within reach! Let’s find the perfect loan option for you.
Contact us today
Apply Here
BUY YOUR HOME
Your dream home is within reach! Let’s find the perfect loan option for you.
Contact us today
Apply Here
BUY YOUR HOME
PROGRAM
PROGRAM
1. Conventional Loan Products
Who It’s For:
Ideal for applicants with stable income and strong credit scores. Perfect for both purchasing and refinancing your home.
Highlights:
Credit Requirements: FICO scores of 620 and above
Flexible Down Payment: Options starting at 3%
Refinance Options:
Rate & Term Refinance
Cash-Out Refinance
Additional Flexibility: Temporary rate buy-down options and down payment assistance available
We offer a range of mortgage programs designed to meet the unique needs of every homebuyer. Whether you have a stable income and strong credit or are self-employed or managing complex finances, our tailored solutions help you achieve your homeownership goals.
We offer a range of mortgage programs designed to meet the unique needs of every homebuyer. Whether you have a stable income and strong credit or are self-employed or managing complex finances, our tailored solutions help you achieve your homeownership goals.
2. Government Loans (FHA, VA, USDA)
Who It’s For:
Designed to make homeownership more accessible, these programs offer flexible credit criteria. They’re ideal for first-time homebuyers, eligible veterans, active-duty military, and buyers in rural areas. Available for both purchases and refinances.
Program Details:
FHA Loans:
Best for first-time homebuyers with lower credit scores
FICO scores as low as 500 are considered
VA Loans:
Exclusive benefits for eligible veterans and active-duty military
Often include no down payment options
Flexible credit requirements (FICO as low as 500)
USDA Loans:
Supports homebuyers in rural areas with low or moderate incomes
FICO requirements typically start at 620 (for AUS-based files)
Highlights:
Credit Flexibility: Manual underwriting options available
Higher Tolerances: Accommodates lower credit scores and higher debt-to-income ratios
2. Government Loans (FHA, VA, USDA)
Who It’s For:
Designed to make homeownership more accessible, these programs offer flexible credit criteria. They’re ideal for first-time homebuyers, eligible veterans, active-duty military, and buyers in rural areas. Available for both purchases and refinances.
Program Details:
FHA Loans:
Best for first-time homebuyers with lower credit scores
FICO scores as low as 500 are considered
VA Loans:
Exclusive benefits for eligible veterans and active-duty military
Often include no down payment options
Flexible credit requirements (FICO as low as 500)
USDA Loans:
Supports homebuyers in rural areas with low or moderate incomes
FICO requirements typically start at 620 (for AUS-based files)
Highlights:
Credit Flexibility: Manual underwriting options available
Higher Tolerances: Accommodates lower credit scores and higher debt-to-income ratios
2. Government Loans (FHA, VA, USDA)
Who It’s For:
Designed to make homeownership more accessible, these programs offer flexible credit criteria. They’re ideal for first-time homebuyers, eligible veterans, active-duty military, and buyers in rural areas. Available for both purchases and refinances.
Program Details:
FHA Loans:
Best for first-time homebuyers with lower credit scores
FICO scores as low as 500 are considered
VA Loans:
Exclusive benefits for eligible veterans and active-duty military
Often include no down payment options
Flexible credit requirements (FICO as low as 500)
USDA Loans:
Supports homebuyers in rural areas with low or moderate incomes
FICO requirements typically start at 620 (for AUS-based files)
Highlights:
Credit Flexibility: Manual underwriting options available
Higher Tolerances: Accommodates lower credit scores and higher debt-to-income ratios
2. Government Loans (FHA, VA, USDA)
Who It’s For:
Designed to make homeownership more accessible, these programs offer flexible credit criteria. They’re ideal for first-time homebuyers, eligible veterans, active-duty military, and buyers in rural areas. Available for both purchases and refinances.
Program Details:
FHA Loans:
Best for first-time homebuyers with lower credit scores
FICO scores as low as 500 are considered
VA Loans:
Exclusive benefits for eligible veterans and active-duty military
Often include no down payment options
Flexible credit requirements (FICO as low as 500)
USDA Loans:
Supports homebuyers in rural areas with low or moderate incomes
FICO requirements typically start at 620 (for AUS-based files)
Highlights:
Credit Flexibility: Manual underwriting options available
Higher Tolerances: Accommodates lower credit scores and higher debt-to-income ratios
3. Non-Qualified Mortgages (Non-QM)
Who It’s For:
Ideal for applicants who do not meet the strict criteria of traditional loans. These programs offer more flexible underwriting, making them a great choice for self-employed individuals, investors, or those with unique financial circumstances. Note that Non-QM products typically require a higher down payment than conventional or government loans.
Highlights:
Flexible Underwriting:
Accepts bank statements, DSCR loans, profit & loss statements, 1099 income, or alternative income verification
Income Calculation: Based on one year of income
DTI Flexibility: Debt-to-income ratios up to 55% allowed
Product Options: Available for both purchases and refinances
Special Features: Interest-only loan options and no tax returns required
3. Non-Qualified Mortgages (Non-QM)
Who It’s For:
Ideal for applicants who do not meet the strict criteria of traditional loans. These programs offer more flexible underwriting, making them a great choice for self-employed individuals, investors, or those with unique financial circumstances. Note that Non-QM products typically require a higher down payment than conventional or government loans.
Highlights:
Flexible Underwriting:
Accepts bank statements, DSCR loans, profit & loss statements, 1099 income, or alternative income verification
Income Calculation: Based on one year of income
DTI Flexibility: Debt-to-income ratios up to 55% allowed
Product Options: Available for both purchases and refinances
Special Features: Interest-only loan options and no tax returns required
1. Conventional Loan Products
Who It’s For:
Ideal for applicants with stable income and strong credit scores. Perfect for both purchasing and refinancing your home.
Highlights:
Credit Requirements: FICO scores of 620 and above
Flexible Down Payment: Options starting at 3%
Refinance Options:
Rate & Term Refinance
Cash-Out Refinance
Additional Flexibility: Temporary rate buy-down options and down payment assistance available
1. Conventional Loan Products
Who It’s For:
Ideal for applicants with stable income and strong credit scores. Perfect for both purchasing and refinancing your home.
Highlights:
Credit Requirements: FICO scores of 620 and above
Flexible Down Payment: Options starting at 3%
Refinance Options:
Rate & Term Refinance
Cash-Out Refinance
Additional Flexibility: Temporary rate buy-down options and down payment assistance available
Maximize your home's benefits. Lower your rate, lower the Term, Or access your equity.
Contact us today
Maximize your home's benefits. Lower your rate, lower the Term, Or access your equity.
Contact us today
Apply Here
Apply Here
Check Your Rate
Check Your Rate
REFINANCE YOUR HOME
REFINANCE
YOUR HOME
OWNLAND CAPITAL NMLS #2664445 - 40900 Woodward Ave Ste 111 Bloomfield Hills, MI 48304
OWNLAND CAPITAL nmls#2664445
40900 Woodward Ave Ste 111
Bloomfield Hills, MI 48304
OWNLAND CAPITAL
NMLS #2664445
40900 Woodward Ave Ste 111
Bloomfield Hills, MI 48304