Loan Programs
Conventional Loan
A standard mortgage not backed by a government agency, typically requiring stronger credit and lower debt ratios.
Most common
FHA Loan
Buy or refinance with a lower credit profile compared to most loans. You only need 3.5% to buy a home.
Lower down payment
VA Loan
For Veterans and active duty service members, buy or take cash out with a lower credit profile. No down payment needed.
No down payment
Jumbo Loan
A mortgage that exceeds conforming loan limits, used for higher-priced homes.
Home equity
DSCR Loan
An investor loan qualified using the property's rental income instead of the borrower's personal income.
Real estate investors
Bank Statement Loan
A self-employed borrower loan that qualifies income using bank deposits instead of tax returns.
Non-Traditional Income
Asset Depletion
A loan that qualifies borrowers using their liquid assets rather than earned income.
Non-Traditional Income
Non-Occupant Co-Borrower
A loan structure where a co-borrower helps qualify without living in the home.
Lower down payment
Family Opportunity Mortgage
A conventional loan option letting buyers get owner-occupied pricing on a home for a parent or disabled family member.
Lower down payment
1099 Only
A self-employed loan that qualifies income using 1099 forms instead of full tax returns.
Non-Traditional Income
Doctor Loan
A specialty mortgage for physicians and other medical professionals with flexible qualification terms.
Non-Traditional Income
Refinance
Replacing an existing mortgage with a new loan, typically to improve rate, term, or access equity.
Home equity
TX Cash Out
A Texas-specific cash-out refinance with unique legal protections and restrictions for homeowners.
Home equity
HELOC
A revolving line of credit secured by home equity, used as needed rather than in one lump sum.
Home equity
Renovation Loan
A mortgage that bundles home purchase or refinance with funds for repairs or upgrades.
Home equity
DPA (Down Payment Assistance)
Programs providing grants or secondary loans to help cover down payment and closing costs.
Lower down payment
Close in LLC
A loan allowing investment property title to be held under a business entity rather than an individual name.
Real estate investors
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MBA MORTGAGE SOLUTIONS: 7110 Rocio Dr STE 1, Laredo, TX 78041
NMLS ID: 2431550
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