Loan Product Information & Guidelines

Flexible Underwriting
Finance Factors’ unique underwriting guidelines provide flexibility in structuring and approving loans.

15- and 30-Year Fixed Rate Loans
Owner-occupant and investor fixed rate conforming loans to purchase a new property or refinance an existing home. Whether to purchase or refinance to lower your rate and payments or to get cash out of your property, Finance Factors features low rates and fast turnaround times.

Home Equity Line of Credit
Borrowers can start using their equity today for home improvements, education expenses, bill consolidation, travel, or other needs.

Green Power+
Ready to go green by adding solar power to your home? Get a low rate HELOC to finance solar energy enhancements to your home!

HomeBuyer 123
A financing program specially designed to help borrowers within certain income limits, who do not own property at the time of loan closing, buy their home.

Extreme Condition Property
Help a client purchase a Guam property that is in the perfect location and is perfectly priced, but is in way less than perfect condition! This financing program is great for investors looking to flip a property or buyers looking for a value purchase that have connections in the construction industry.

Hard-to-Qualify Borrower
When you have a borrower that you know is qualified in every way for a loan but is unable to meet conforming guidelines due to a specific problem or technicality.

Hard-to-Qualify Property
When you have a property that doesn’t meet conforming guidelines due to a specific problem or technicality.

Multiple Property Loans
A single loan secured by more than one property. This provides tremendous flexibility in structuring a single loan that maximizes all of a borrower’s equity in multiple properties.

Bridge Loans
Designed for borrowers who desire to purchase a new property using equity from an existing property that is listed for sale. These loans are usually secured by a second mortgage on the existing property and a first mortgage on the purchase property.

Foreign Investor Loans
Our common sense underwriting can help foreign investor clients overcome hurdles such as limited or no credit, no FICO score, or difficult to verify income and employment situations.

Construction Loans
Designed for borrowers who want to build on their existing vacant lot or for homeowners who wish to tackle a major renovation, addition or repair of their existing home.

Land Loans
Ideal for borrowers who want to purchase a residential lot and build their dream home or purchase to build an investment unit. Well-qualified borrowers can also use this program to refinance their current mortgage and save money.

Commercial Loans

SBA 504
Designed for small businesses to purchase or refinance an existing commercial building or office, or acquire a commercial property at market interest rates without having to provide a large down payment.

Commercial Income Property Loans
This program is designed for borrowers who desire to purchase or refinance a commercial property or for owner-tenants looking to own their own business space or pull equity out of an existing property.

Apartment Building Loans
Helps borrowers take advantage of a low fixed rate now, reducing their monthly payments and saving them money on their initial commercial investment.