Home/Loan Programs
20+ Loan Programs Available

Loans for Every Situation

Bank statement, ITIN, foreign nationals, DSCR, commercial, construction, yacht loans — if there's a way, we'll find it. Credit scores as low as 550.

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Bank Statement Loans

Self-employed? Use 12 or 24 months of bank statements instead of tax returns.

  • 12 or 24 month options
  • No tax returns required
  • Personal or business statements
  • Great for entrepreneurs

Ideal for:

Self-employed, business owners, 1099 contractors

No Income Verification

Qualify without traditional income documentation.

  • VOE Only Program
  • CPA Letter Program
  • Profit and Loss Program
  • Asset-based options

Ideal for:

High net worth, complex income situations

ITIN & Foreign Nationals

Financing for ITIN holders and foreign nationals.

  • No SSN required for ITIN
  • Foreign national programs
  • Credit scores as low as 550
  • Flexible documentation

Ideal for:

ITIN holders, foreign nationals, new to US

Investment & DSCR Loans

Build your real estate portfolio. Qualify based on property cash flow.

  • Close in a LLC
  • DSCR qualification
  • No personal income needed
  • Unlimited properties

Ideal for:

Real estate investors, landlords

Commercial & Construction

Financing for commercial properties, land, and new construction.

  • Commercial loans
  • Land loans
  • Construction financing
  • SBA loan options

Ideal for:

Developers, business owners, builders

Specialty Condo Programs

Financing for condos that don't meet standard guidelines.

  • Non-warrantable condos
  • No questionnaire required
  • Condotels eligible
  • Mixed-use properties

Ideal for:

Condo buyers with unique properties

Reverse Mortgage

Access your home equity in retirement without monthly payments.

  • Ages 62+
  • No monthly payments
  • Stay in your home
  • Tax-free proceeds

Ideal for:

Seniors with home equity

Yacht & Specialty Loans

Unique financing for boats, yachts, and specialty assets.

  • Yacht financing
  • Boat loans
  • Competitive rates
  • Flexible terms

Ideal for:

Boat and yacht buyers

FHA & VA Loans

Government-backed loans with great benefits.

  • 3.5% down FHA
  • Zero down VA
  • Lower credit OK
  • Gift funds allowed

Ideal for:

First-time buyers, veterans

Conventional & Jumbo

Traditional financing with competitive rates for qualified borrowers.

  • Down payments as low as 3%
  • Jumbo loans over $766,550
  • Flexible terms 10-30 years
  • Primary, second home, investment

Ideal for:

Good credit (620+) and stable income

Down Payment Assistance

Programs to help cover your down payment and closing costs.

  • Grants available
  • Forgivable loans
  • State & local programs
  • First-time buyer programs

Ideal for:

Buyers needing help with upfront costs

Why Choose the Arizaga Home Team?

When other lenders say no, we find a way. 20+ loan programs for every situation.

13+ Years Experience

Helping families since 2012 at Navy Federal, Wells Fargo & more

Credit Scores 550+

Programs for challenged credit when others say no

20+ Loan Programs

ITIN, bank statement, foreign nationals, commercial & more

Find Your Loan Program