An extensive range of financing, matched to you
Most brokers offer a handful of programs. Fadi works across the full spectrum — conventional, government-backed, investment, construction, and non-traditional documentation — so the loan is chosen to fit you, not the other way around.
Conventional
30-Year Fixed
Constant rate and payment over the full term — the standard choice for long-term homeowners.
15 / 20-Year Fixed
Pay off faster with a shorter term, typically at a lower rate than a 30-year loan.
Conventional ARM
5/1, 7/1, and 10/1 adjustable terms for buyers planning to move or refinance early.
Conventional 97
As little as 3% down for qualified first-time buyers.
HomeReady & Home Possible
Fannie Mae and Freddie Mac programs built for low-to-moderate income buyers.
Jumbo & Super Jumbo
Financing above conforming loan limits for higher-value homes.
Government-Backed
FHA 203(b) Standard
Lower down payment and flexible credit requirements for primary residences.
Full FHA guide →FHA 203(k) Renovation
Roll purchase and renovation costs into a single FHA-backed loan.
FHA Streamline Refinance
A simplified refinance path for existing FHA borrowers.
VA Purchase
Zero-down financing for eligible Veterans and active-duty service members.
Full VA guide →VA IRRRL
Interest Rate Reduction Refinance for current VA loan holders.
VA Jumbo
VA benefits extended to higher loan amounts above standard limits.
USDA Guaranteed Loan
100% financing for eligible rural and suburban properties.
USDA Direct Loan
Direct government financing for very low-income borrowers in eligible areas.
Non-QM & Alternative Documentation
Bank Statement Loan
Qualify using bank deposits instead of tax returns — built for the self-employed.
Full Non-QM guide →1099 Income Loan
Qualify on 1099 earnings for independent contractors and gig-based income.
Full Non-QM guide →Foreign National
No U.S. credit history or SSN required — built for international investors.
Full DSCR guide →Asset Depletion
Qualify using liquid assets rather than traditional income documentation.
Full Non-QM guide →Non-Warrantable Condo
Financing for condos that don't meet standard conventional guidelines.
Full Non-QM guide →Investment & Real Estate
Investment Property Conventional
Standard financing for single-family rental purchases.
Fix-and-Flip / Hard Money
Short-term financing built for renovate-and-resell projects.
Blanket Loan
One loan covering multiple investment properties.
Portfolio Loan
Held by the lender rather than sold — more flexible underwriting.
Commercial Mortgage
Financing for commercial-use real estate.
Multi-Family (2–4 Unit)
Owner-occupied or investment financing for small multi-family properties.
Multi-Family (5+ Unit) Commercial
Commercial-scale financing for larger apartment properties.
Construction & Renovation
One-Time Close Construction
A single loan that converts from construction to permanent financing.
Two-Time Close Construction
Separate construction and permanent loans for more flexibility.
Conventional Renovation (HomeStyle)
Combine purchase and renovation costs into one conventional loan.
Refinance
Rate-and-Term Refinance
Lower your rate or adjust your term without taking cash out.
Cash-Out Refinance
Tap into home equity for renovations, debt payoff, or investment.
Streamline Refinance
Simplified refinancing for existing FHA and VA borrowers.
Specialty & Other
Second Home Financing
Financing for vacation homes and secondary residences.
Manufactured / Mobile Home
Financing built specifically for manufactured housing.
Land / Lot Loan
Financing to purchase land ahead of future construction.
Bridge Loan
Short-term financing to bridge the gap between buying and selling.
HELOC
A revolving line of credit secured by your home's equity.
Home Equity Loan
A fixed-rate second mortgage against your home's equity.
Piggyback Loan (80/10/10)
A first and second mortgage combined to avoid PMI.
Interest-Only Mortgage
Lower initial payments covering interest only for a set period.
Balloon Mortgage
Lower payments with a lump sum due at the end of the term.
Co-op Loan
Financing structured specifically for housing cooperative shares.
Down Payment & Access Programs
Down Payment Assistance (DPA)
Grant and second-mortgage programs that reduce or cover your upfront down payment, often paired with FHA or conventional financing.
100% Financing
Zero-down options including VA, USDA, and select DPA-paired programs — buy without a down payment when you qualify.
You don’t need to be a U.S. citizen to invest in the American dream
The Foreign National Program provides non-U.S. citizens with a path to investment property ownership. Instead of a credit score or W2, this program uses DSCR (Debt Service Coverage Ratio) — qualifying the property's income to cover the loan payments.
Learn About DSCR & Foreign National LoansWhy DSCR works for investors
- ✓ No W2 or U.S. income tax form required
- ✓ Qualification based on property cash flow
- ✓ Designed for non-U.S. citizen investors