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Non-QM Loan Programs

Empowering Homeownership Dreams with special Loan Lock Loan Programs.

Discover a range of loan programs designed to make homeownership a reality for everyone.

Pre-approval Letter

I need this

First-Time Home Buyer

I need this

Home Purchase Loan

I need this

Refinance my Home

I need this

Lower my Interest Rate

I need this

Reverse Mortgage

I need this

Construction Loan

I need this

Are you dreaming of owning a home but unsure of how to make it a reality?

When it comes to achieving the lowest interest rates and securing financial stability, understanding Rate Lock Fundamentals is essential. At Loan Lock, we empower you with the knowledge you need to make informed decisions and seize the opportunity to lower your interest rates.

Our Loan Programs

5 - 8 UNIT

MIXED USE DSCR

•660+ FICO
•Min. DSCR 1.00
•Loans to $2MM
•Interest-Only Available
•5-8 Units Allowed
•$1M Max Cash-Out
•Mixed Use Limited to Retail/ Office

1099

Loans

•Credit Score Start at 660
•Loans to $ 4MM
•55% Max DTI (Primary)
•LTV to 90%
•Unlimited Cash Out
•Non-Warrantable Condos
•Condotels OK

Bank Statement Loans

•Credit Score-660
•Loans upto $ 4MM
•LTV to 90%
•55% Max DTI (Primary)
•Unlimited Cash Out
•Non-Warrantable Condos
•Condotels OK

Down Payment

Assistance

•Credit Scores Start at 600
•Up to 103% Max LTV*
•Up to 3.5% of the Appraised Value on FHA Loans
•Value on
•FHA Loans
•LTV* to 90%
•Primary Residence Only

CALHAF - Home

Assistance DPA

Credit Scores - 680
LTV to 97%
MI Required
Loans to 3% of the Appraised Value
Secondary Financing to accompany a CalFHA
Mortgage
First - Time Home Buyer Opportunity

Blanket DSCR

Loans

680+ FICO

LTV* to 80%

Fixed Loan

Min. DSCR is 1.0

Loans to $6.25MM

Multiple Properties

Min. 2 and Max 25 Properties Allowed

Purchase, Rate & Term,

Cash-Out Allowed

Investor Opportunity

ITIN

Loans

Credit Scores - 680
LTV to 97%
MI Required
Loans to 3% of the Appraised Value
Secondary Financing to accompany a CalFHA
Mortgage
First - Time Home Buyer Opportunity

No Ratio

DSCR

1
Credit Scores - 660

2
Loans to $ 3MM

3
LTV* to 75%

4
Short Term Rentals (AirBnB/VRBO)

5
Qualify off of Interest-Only Payments

Simplified Loan Programs for Your Financial Needs

At LoanLock, we believe in straightforward solutions. Our Loan Programs are designed with simplicity in mind, offering a direct path to your financial goals. No jargon, no complications—just easy access to the funds you need. Discover the ease of achieving your dreams with our Simplified Loan Programs.