Loan Programs

Every homebuyer's situation is unique, which is why working with an expert matters. At Absolute Mortgage & Lending we offer a wide range of mortgage products, competitive pricing and personal attention. Whether you're purchasing, refinancing or exploring other options, we'll work with you every step of the way.

Conventional Home Loans

A Conventional Home Loan is a mortgage offered by private lenders and is not insured or guaranteed by the government. It follows guidelines set by Fannie Mae and Freddie Mac and is commonly used for buying a home or refinancing an existing mortgage.

  • Credit score typically 620 or higher
  • Down payment from 3–5%
  • Fixed or adjustable rates, various terms
  • Private mortgage insurance (PMI) if you put down less than 20%

FHA Home Loans

An FHA Home Loan is insured by the Federal Housing Administration, designed to help first-time homebuyers and those with lower credit scores qualify for homeownership.

  • Down payment as low as 3.5%
  • More flexible credit requirements
  • Fixed or adjustable rates
  • Mortgage insurance premiums (MIP) protect the lender

Non-QM Loans

A Non-QM (Non-Qualified Mortgage) loan is for borrowers who don't fit traditional income or credit verification: self-employed people, real estate investors, or anyone with irregular income.

  • Qualify with bank statements, assets or other income documents
  • Interest-only payment options
  • Higher debt-to-income ratios allowed
  • Flexible credit evaluation

Commercial Loans

A Commercial Loan finances the purchase, development or refinance of commercial property, or funds business operations: offices, retail, warehouses and multifamily housing.

  • Based on business financials and projected property income
  • Fixed or variable rates
  • Shorter terms, sometimes with a balloon payment
  • Options from banks, credit unions and private lenders

DSCR / Short-Term Rental Loans

A DSCR (Debt Service Coverage Ratio) loan finances rental properties, including short-term vacation rentals, based on the property's rental income rather than your personal income.

  • No personal income verification
  • Qualify on the property's cash flow
  • Works for Airbnb, VRBO and long-term rentals
  • Built for real estate investors

More Ways We Can Help

VAUSDAJumboITIN / Foreign NationalRefinance / Cash-OutHELOC / HELOANConstruction / LandSBA Loans

Ask about any of these. We'll walk you through what fits your situation.

Ready to talk?

Call or text (678) 561-3738 or email teamhan@absoluteml.com

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