ATTENTION: For Those who are serious about Getting Pre-Qualified FAST!

Bill Rapp, Mortgage Originator:

NMLS 228246

281-222-0433

"Brokers Are Better.

Better Pricing, Better Service!"

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WITH PROVEN STRATEGIES & PROVEN RESULTS

HERE'S WHAT MY CLIENTS SAY:

What People Are Saying:

Excellent Service

Bill is an exceptional loan officer. He helped us to purchase our home with very personal and professional service. He helped us navigate the whole process from start to closing without any problems. We didn't think we're qualified to purchase a house, but Bill went above and beyond to find a way to help us achieve our goal. He always responded very quickly with our requests, he would come back with different options with comparison chart to clearly indicate how much we need for down payment, monthly payments, interest rates, closing costs etc.

We would highly recommend Bill to anyone in need of lending services. In fact, we have already recommended Bill to one of our friends on purchasing a house.

--- David Chan - Houston, TX

Bank Statement Lending!

William Rapp of Network Funding, L. P. was very professional and I felt comfortable in dealing with him. I will definitely recommend him to family and friends.

--- Ian F - Missouri City, TX

Professionalism - Expert In Home Style Loan

Bill is an expert in the topic, his explanations and online material make a difference and he is always there from the beginning to the end. He is committed to make thing happen.

--- Felipe Caldern & Carolina Angel Gutierrez

Great Service!

Bill Rapp's handling of our loan (even though out of state) was unparalleled to any service I have been through prior, including 3 different real estate transactions and multiple refinances. Extremely quick close, with great options and flexibility for my families needs. All around A+

--- Chris & Beth Sheehan - San Jose, CA

Knowledgeable and Responsive!

Bill was a pleasure to work with and he made the loan process fairly easy. He answered all questions I had very quickly and was straight forward in doing it. I would recommend Bill to others.

--- Wes Brady - Richmond, TX

Very professional and always returned our calls!

Bill takes a lot of pride in his job and is very dependable. They were very patient and understanding. He went out of his way and explained all my questions and concerns. They were very professional and returned my phone calls and emails. He did a great job and I fully recommend him.

--- Therese, Malcom & Shirley Teixeira - Katy, TX

Great Job!

Bill helped us out from beginning to end of loan process. The loan closed in a timely manner as Bill worked hard with bank to get our to the final steps.

--- Kamal & Theresa Wilson - Hartford, CT

Avid Problem-Solver and Absolute Pleasure to Work With!

Bill Rapp worked very hard to ensure that we closed our loan and were able to move into our new home. He always had alternatives to any problems we encountered while closing. He worked with us from the beginning identifying solutions to any problems that we were having. He was an absolute pleasure to work with!

--- Nikita Rayani & Sanit Tejani - Houston, TX

Awesome to work with!

Being a first-time buyer I came in with lots of questions and concerns. Bill was always available for any questions I had and answered everything to my satisfaction. Bill made the loan process so painless that I could still concentrate on other things. We ended up closing early which made things even better. If you are in need of a lender and want someone who is very approachable and stays on top of your loan then Bill is your guy.

--- Cesar Raya - Richmond, TX

Loan Declined by my bank, and he saved the day!

Bill, did an amazing job helping me close on my house. He took the reigns and reassured me the best route to take to help close. He was accountable, thorough and trustworthy. I will continue to work with Network Funding, L.P. when it comes to home buying in the future because of the quality of service Bill gave.

--- Jacob Smith - Boerne, TX

Bill Rapp Will Definitely Make It Happen!

Bill is the most kind, patient and helpful person I have ever known. He answers his phone calls and emails promptly. You can ask him a million questions, and he will answer each and every one of them. Before I started working with Bill, I had been turned down for a home loan, because of some past credit issues I had, plus I was a single mother. However, once I started working with Bill, he was able to quickly get me a home loan, with a good interest rate. I would recommend that you call him, as he will help you.

--- Corinne Wilson - Roselle, NJ

Knowledgeable, Honest, Trustworthy, and Reliable!

"I will definitely keep you in mind. If anyone I know needs financing, I will send them your way!"

--- Jon & Andrea Saleem, CRPC Financial Advisor - Houston, TX

Best Dam Mortgage Guy a man could know!

"Hands down the best loan experience to date!"

--- Gabe & Chelsea Jackson - Pearland, TX

Phenomenal, Hard Working and Never Quits!

Had a stupid foreclosure that could have been avoided if ex’s attny would have sent my buy out offer. So Bill was able to push this through with a 4 year foreclosure. He worked his butt off, was very diligent with his communication; and was very professional talking to me even when I was screaming and/or crying at him. Highly recommend this lender. He really go to the ends of the earth to help you!

--- Liz Keeter - Harlingen, TX

Exceptional customer service!

--- Isha Lopez & Mauricio Garcia - Houston, TX

Service with a capitol S

Bill went above and beyond at every turn. He worked late on Saturday, he worked late all the time. We wanted to close ASAP and he really helped make it happen for us.

--- Jeff & Wendy Heger - Houston, TX

Best Buying Experience!

I would would highly recommend going with Network Funding LP. As a first time home buyer I didn't know what to expect. Bill Rapp was very helpful in answering all my questions and guided me through all ghe steps. I couldn't have asked for a better buying experience!

--- Tabitha Turner - Humble, TX

Would recommend him and use him again!

Very involved and professional . Kept me informed and up to date on everything that was going on Went with me closing and was very helpful and knowledgeable.

--- Kathy Ward - Houston, TX

Great experience!

Well I meet bill back in December 2016 he got recommended by my real estate agent we had a house in sight and started the process to get approved but we fail due to my work history and credit bill told me not to give up and put me in contact with a credit repair company they help me bring my score up and bill walk me thru the process of getting a new line so this time around we got approved before looking for our house after we found it we still had a couple of hick up but with bills help on Sunday 6-18-17 to be exact Father's Day bill called me to give me the great news that we had got approved and the closing date was as scheduled bill was more than just a lender to my family he became a friend and I'm alway going to have him in mind for any other financial situation.

--- Alejandres Felimon - Richmond, TX

I really liked his attitude!

I wouldn't usually say this but the way he had handled my mortgage was really pleasant. I personally enjoyed the time spent with him while we discussed feasible rates. He's a great man with a great personality and he offered really low interests as well. Definitely recommend him to others.

--- Tom Troiano - Atlantic City, NJ

He's nothing short of a miracle!

I'm a self-employed businessman and had him figure out the mortgage of the house after 30% down payment. The interest rates I received were incredibly low given what I had thought of earlier. One other important thing to note was that I hadn't really taken any loans earlier, so I had no credit history. He helped me out with all that as well so I can't really call him anything else but a miracle.

--- Fran Suarez - Cleveland, OH

He's really helpful!

I made a bid to him and the very same day he gave me an offer which I couldn't resist. It was too intimidating with those incredibly low interest rates and all, thoroughly recommend him.

--- Kenny Mickle - Houston, TX

Expeditious!

Bill was very expeditious and made it real easy going through the loan process. I felt he was on top of things.

I deal with investment properties and will more than likely call on him again.

--- Wayne King - Pensacola, FL

Bill was great!

Bill made us feel like a friend all the way thru the process. He was patient and explained everything he needed clearly. He was available ANYTIME we had questions or needed more information. Hopefully we won’t go thru this process again anytime soon, but if we do - we’d choose Bill! =)

--- Barbra & Nick Grimmer - Austin, TX

Great broker!

Bill was a great broker to work with. As first time home buyers we had many questions about the process, Bill took the time to help us even calling us back on weekends with answers. I would not hesitate to recommend him to anyone looking for a broker to work with.

--- Murray & Lisa Turner - Pensacola, FL

Outstanding service!

I couldn't have been more pleased with Bill's level of service. He made what is typically a lengthy, arduous process far quicker and easier at every turn. I'm extremely comfortable recommending Bill to friends and family, and will definitely utilize his services again!

--- Jim Lipari - Austin, TX

Jumbo and Non-QM Mortgages: Made Simple

Getting a jumbo or Non-QM mortgage is easier than most people expect. This guide explains what these loans are, who they’re for, and when they make sense.

What Is a Jumbo or Non-QM Loan?

A jumbo mortgage—also called a non-conforming loan—is any mortgage that does not meet the guidelines set by Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac were created by Congress to provide liquidity and stability in the mortgage market. They buy mortgages from lenders, but only if those loans meet strict rules for:

Loan amount

Credit score

Down payment

Debt-to-income ratio

Post-closing reserves

Loans that exceed these limits are considered non-conforming.

When Do You Need a Jumbo Loan?

You’ll need a jumbo loan when the loan amount exceeds the conforming limit in your area.

How Jumbo and Non-QM Loans Are Underwritten

Jumbo loans are evaluated using the same fundamentals as conventional loans:

Credit score

Down payment

Debt-to-income ratio (DTI)

Cash reserves after closing

That said, jumbo loans often allow more flexibility in how those factors are evaluated.

Credit Scores

Most jumbo programs are available with credit scores as low as 660, though higher scores receive better rates. Borrowers with 760+ credit generally receive the most favorable terms.

Cash Reserves

Jumbo loans usually require more reserves than conforming loans.

Typical requirement: 12 months of reserves

Often split between liquid cash and retirement assets

Exceptions may be available with strong income, low DTI, or large down payments.

Where Jumbo Loans Are More Flexible

Higher DTI allowances
While conforming loans often cap DTI around 43%, jumbo loans may allow higher ratios if the borrower has strong reserves or equity.

More logical income analysis
Self-employed borrowers may qualify with one year of tax returns instead of two if they can document business stability and industry experience.

Lower down payments without mortgage insurance
Some jumbo programs allow 10% down—and sometimes less—without mortgage insurance. Rates may be slightly higher, and DTI requirements are typically stricter.

Piggyback loan structures
In certain cases, buyers can combine a first and second mortgage to reduce the down payment to as little as 5%. These structures are highly specialized and lender-specific.

Who Typically Uses Jumbo or Non-QM Loans?

These loans are well-suited for high-income earners who don’t want—or don’t have—their wealth tied up in cash. This group is often referred to as HENRYs: High Earners, Not Rich Yet.

HENRY borrowers often:

Earn $250,000–$500,000+ annually

Have strong credit histories

Hold significant retirement and investment assets

Prefer liquidity over tying up cash in a large down payment

Tax Considerations

Jumbo loans don’t automatically create tax advantages.

Mortgage interest is only deductible on the first $1 million of mortgage debt. If your loan exceeds that amount, the interest on the excess is not deductible.

For this reason, some borrowers choose to compare:

One jumbo loan
vs.

Two smaller loans or alternative structures

Always consult a tax professional before assuming tax benefits.

Choosing the Right Professionals

Buying a home—especially with a jumbo or Non-QM loan—is complex. You should always work with professionals who represent your interests, not just the transaction.

Real Estate Representation

Seller’s agents represent the seller

Buyer’s agents represent the buyer

Transaction brokers represent no one

As a buyer, it’s almost always best to work with a buyer’s agent who has a legal duty to protect your interests.

Mortgage Broker vs. Bank

A mortgage broker typically has access to many lenders, not just one bank’s in-house programs. This often results in:

Better pricing

More flexible loan options

Specialized programs banks may not offer

Even if you like your bank, remember: most banks sell loans shortly after closing anyway. Loyalty should never cost you better terms.

Foreign National Mortgages

You do not need to be a U.S. citizen to qualify for a mortgage.

Eligible Borrowers

Permanent residents (green card holders)

Non-permanent residents with valid work authorization

Refugees or individuals granted asylum

Non-resident foreign buyers may also qualify, but usually with:

Higher down payments (30–50%)

Higher interest rates

Fewer program options

Legal residency and proper documentation are mandatory.

Bank Statement Loans for Self-Employed Borrowers

If you’re self-employed and traditional tax returns don’t reflect your true income, a bank statement mortgage may be the solution.

How They Work

Instead of W-2s or tax returns, lenders use 12–24 months of bank statements to calculate income based on actual deposits.

Ideal For:

Business owners

Independent contractors

Freelancers and gig workers

Borrowers with significant tax write-offs

Trade-Offs

Because these loans are considered Non-QM:

Rates are typically higher

Down payments may be larger

Terms vary widely by lender, so shopping matters.

Final Thought

If you’ve been told “no” by a bank or lender, it doesn’t mean you can’t qualify—it often means you’re speaking with the wrong person.

In real estate and lending, who you work with matters.

Questions About Jumbo, Non-QM, or Bank Statement Loans?

Schedule a free, no-obligation consultation with a mortgage expert who knows how to structure complex deals efficiently.

Contact the Mortgage Viking
📞 281-222-0433

📦 Commercial Warehouse Financing Guide: Loan Options, Rates & Requirements 💰

🏭 Warehouse Loans Explained: How to Finance Industrial Real Estate in 2026 🚀

The CommLoan Capital Report,

June 25, 2026•4 min read

🏭 Warehouse Loans Explained: How to Finance Industrial Real Estate in 2026 🚀

📦 Commercial Warehouse Financing Guide: Loan Options, Rates & Requirements 💰

Warehouse Loans Explained: How to Finance Industrial Real Estate

The industrial real estate sector continues to be one of the strongest-performing asset classes in commercial real estate. Driven by e-commerce growth, supply chain modernization, manufacturing expansion, and last-mile distribution demand, warehouses have become highly desirable investments for both owner-users and investors.

Whether you're purchasing a distribution center, flex industrial building, logistics facility, or warehouse property, understanding your financing options can significantly improve your investment returns.

This guide explains how warehouse loans work, who qualifies, and which financing options may be best for your situation.

What Is a Warehouse Loan?

A warehouse loan is a commercial mortgage used to acquire, refinance, renovate, or construct industrial properties such as:

·Distribution Centers

·Logistics Facilities

·Manufacturing Buildings

·Flex Industrial Properties

·Warehouse Condominiums

·Cold Storage Facilities

·Fulfillment Centers

·Industrial Outdoor Storage (IOS)

Warehouse financing is available through banks, credit unions, SBA lenders, life insurance companies, debt funds, and private lenders.

At CommLoan's Empower Program, borrowers gain access to over 700 lenders through a centralized commercial lending marketplace.

Why Lenders Like Warehouse Properties

Industrial properties have become increasingly attractive because:

Strong Tenant Demand

E-commerce growth has increased demand for fulfillment and distribution facilities.

Longer Lease Terms

Industrial leases often range from 3 to 10 years, creating predictable cash flow.

Lower Operating Costs

Warehouse properties typically require less maintenance than office or retail properties.

Flexible Uses

Many warehouse facilities can accommodate multiple industries and tenant types.

Common Warehouse Loan Programs

Bank Warehouse Loans

Best For:

·Owner-occupied properties

·Stabilized investments

·Strong borrowers

Typical Terms:

·65%–80% LTV

·20–25 year amortization

·5, 7, or 10-year fixed rates

·Recourse financing

Advantages:

·Competitive interest rates

·Lower fees

·Flexible relationship banking

SBA 504 Loans

Best For:

·Owner-users occupying 51% or more of the building

Typical Terms:

·Up to 90% financing

·Long-term fixed rates

·20-25 year terms

Advantages:

·Low down payment

·Fixed payments

·Preserves working capital

This is often the most attractive option for business owners purchasing their own warehouse.

SBA 7(a) Loans

Best For:

·Smaller warehouse acquisitions

·Mixed-use industrial properties

Typical Terms:

·Up to 90% financing

·25-year amortization

Advantages:

·Flexible use of proceeds

·Equipment financing can often be included

Debt Fund Financing

Best For:

·Value-add acquisitions

·Light industrial repositioning

·Faster closings

Typical Terms:

·65%–80% LTV

·Interest-only options

·12–36 month bridge terms

Advantages:

·Fast approvals

·Flexible underwriting

·Less documentation

Construction Loans

Best For:

·Ground-up warehouse development

·Industrial parks

·Build-to-suit projects

Typical Terms:

·60%–75% LTC

·Interest-only during construction

·Conversion to permanent financing upon completion

What Lenders Look For

Property Quality

Lenders evaluate:

·Building age

·Ceiling heights

·Loading docks

·Trailer parking

·Access to major highways

·Market demand

Borrower Experience

Industrial investors with a successful track record generally receive more favorable terms.

Cash Flow

Investment properties are typically evaluated using:

Debt Service Coverage Ratio (DSCR)

Most lenders prefer:

·Minimum DSCR: 1.20–1.25

Financial Strength

Lenders review:

·Credit scores

·Liquidity

·Net worth

·Existing real estate portfolio

Warehouse Loan Rates in 2026

Current commercial warehouse loan rates generally range:

Loan Type

Typical Rate Range

Bank Loans

6.75% - 8.25%

SBA 504

6.25% - 7.75%

SBA 7(a)

7.50% - 10.50%

Debt Funds

9.50% - 13.50%

Bridge Loans

10.00% - 15.00%

Actual pricing depends on:

·Property location

·Occupancy

·Tenant quality

·Loan size

·Sponsor experience

Why Industrial Real Estate Remains Attractive

Many investors continue allocating capital toward warehouse assets because of:

✅ Growing e-commerce demand

✅ Manufacturing reshoring

✅ Supply chain diversification

✅ Strong rent growth

✅ Limited new inventory in many markets

Markets throughout Texas, including Houston, Katy, Fulshear, and the broader Gulf Coast region, continue to experience strong industrial development activity.

How CommLoan's Empower Program Helps

Traditional commercial lending often requires borrowers to contact numerous lenders individually.

CommLoan's technology platform centralizes access to hundreds of lending sources and automatically identifies financing options that fit a property's specific characteristics. The platform includes access to banks, credit unions, life companies, debt funds, SBA lenders, agency lenders, and private capital sources.

This helps borrowers:

·Compare multiple loan options

·Save time

·Improve execution certainty

·Find competitive pricing

·Access specialized industrial lenders

Final Thoughts

Warehouse financing remains one of the most active segments of commercial real estate lending. Whether you're purchasing your first warehouse, expanding a distribution operation, refinancing an industrial portfolio, or developing a logistics facility, choosing the right loan structure can significantly impact your returns.

The best loan isn't always the lowest interest rate—it's the financing solution that aligns with your investment strategy, business goals, and long-term exit plan.

For warehouse financing options nationwide, contact:

Bill Rapp, CCIM
Director | CommLoan

📞 281-222-0433
📧 [email protected]
🌐 https://billrapp.commloan.com/

🌐 https://HoustonCommercialMortgage.com/

Commercial Real Estate Financing Nationwide

https://billrapp.commloan.com/

https://empower.commloan.com/

https://author.billrapponline.com/

https://www.amazon.com/dp/B0F32Z5BH2

https://veed.cello.so/FOmzTty6oi9

https://buymeacoffee.com/vikingente3

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Commercial Warehouse LoanIndustrial Property FinancingSBA Warehouse MortgageIndustrial Real Estate LoansWarehouse LoanDistribution Center Financingindustrial property investmentcommercial mortgage brokerWarehouse Construction Loan

Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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Phone: (281)-222-0433

Main Office:

Medallion Funds

[email protected]
11920 Southern Highlands PKWY Suite 302Las Vegas, NV 89141

Texas Complaint and Recovery Fund Notice

ATTENTION: For Those who are serious about Getting Pre-Qualified FAST!

Bill Rapp, Mortgage Originator:

Better Pricing, Better Service!"

Subscribe To My List Below To Get Your Mortgage Quote Now!

Simply enter your name and email below:

WITH PROVEN STRATEGIES & PROVEN RESULTS

HERE'S WHAT MY CLIENTS SAY:

What People Are Saying:

Getting a jumbo or Non-QM mortgage is easier than most people expect. This guide explains what these loans are, who they’re for, and when they make sense.

What Is a Jumbo or Non-QM Loan?

A jumbo mortgage—also called a non-conforming loan—is any mortgage that does not meet the guidelines set by Fannie Mae and Freddie Mac.

Fannie Mae and Freddie Mac were created by Congress to provide liquidity and stability in the mortgage market. They buy mortgages from lenders, but only if those loans meet strict rules for:

Loan amount

Credit score

Down payment

Debt-to-income ratio

Post-closing reserves

Loans that exceed these limits are considered non-conforming.

When Do You Need a Jumbo Loan?

You’ll need a jumbo loan when the loan amount exceeds the conforming limit in your area.

How Jumbo and Non-QM Loans Are Underwritten

Jumbo loans are evaluated using the same fundamentals as conventional loans:

Credit score

Down payment

Debt-to-income ratio (DTI)

Cash reserves after closing

That said, jumbo loans often allow more flexibility in how those factors are evaluated.

Credit Scores

Most jumbo programs are available with credit scores as low as 660, though higher scores receive better rates. Borrowers with 760+ credit generally receive the most favorable terms.

Cash Reserves

Jumbo loans usually require more reserves than conforming loans.

Typical requirement: 12 months of reserves

Often split between liquid cash and retirement assets

Exceptions may be available with strong income, low DTI, or large down payments.

Where Jumbo Loans Are More Flexible

Higher DTI allowancesWhile conforming loans often cap DTI around 43%, jumbo loans may allow higher ratios if the borrower has strong reserves or equity.

More logical income analysisSelf-employed borrowers may qualify with one year of tax returns instead of two if they can document business stability and industry experience.

Lower down payments without mortgage insuranceSome jumbo programs allow 10% down—and sometimes less—without mortgage insurance. Rates may be slightly higher, and DTI requirements are typically stricter.

Piggyback loan structuresIn certain cases, buyers can combine a first and second mortgage to reduce the down payment to as little as 5%. These structures are highly specialized and lender-specific.

Who Typically Uses Jumbo or Non-QM Loans?

These loans are well-suited for high-income earners who don’t want—or don’t have—their wealth tied up in cash. This group is often referred to as HENRYs: High Earners, Not Rich Yet.

HENRY borrowers often:

Earn $250,000–$500,000+ annually

Have strong credit histories

Hold significant retirement and investment assets

Prefer liquidity over tying up cash in a large down payment

Tax Considerations

Jumbo loans don’t automatically create tax advantages.

Mortgage interest is only deductible on the first $1 million of mortgage debt. If your loan exceeds that amount, the interest on the excess is not deductible.

For this reason, some borrowers choose to compare:

One jumbo loanvs.

Two smaller loans or alternative structures

Always consult a tax professional before assuming tax benefits.

Choosing the Right Professionals

Buying a home—especially with a jumbo or Non-QM loan—is complex. You should always work with professionals who represent your interests, not just the transaction.

Real Estate Representation

Seller’s agents represent the seller

Buyer’s agents represent the buyer

Transaction brokers represent no one

As a buyer, it’s almost always best to work with a buyer’s agent who has a legal duty to protect your interests.

Mortgage Broker vs. Bank

A mortgage broker typically has access to many lenders, not just one bank’s in-house programs. This often results in:

Better pricing

More flexible loan options

Specialized programs banks may not offer

Even if you like your bank, remember: most banks sell loans shortly after closing anyway. Loyalty should never cost you better terms.

Foreign National Mortgages

You do not need to be a U.S. citizen to qualify for a mortgage.

Eligible Borrowers

Permanent residents (green card holders)

Non-permanent residents with valid work authorization

Refugees or individuals granted asylum

Non-resident foreign buyers may also qualify, but usually with:

Higher down payments (30–50%)

Higher interest rates

Fewer program options

Legal residency and proper documentation are mandatory.

Bank Statement Loans for Self-Employed Borrowers

If you’re self-employed and traditional tax returns don’t reflect your true income, a bank statement mortgage may be the solution.

How They Work

Higher DTI allowances
While conforming loans often cap DTI around 43%, jumbo loans may allow higher ratios if the borrower has strong reserves or equity.

More logical income analysis
Self-employed borrowers may qualify with one year of tax returns instead of two if they can document business stability and industry experience.

Lower down payments without mortgage insurance
Some jumbo programs allow 10% down—and sometimes less—without mortgage insurance. Rates may be slightly higher, and DTI requirements are typically stricter.

Piggyback loan structures
In certain cases, buyers can combine a first and second mortgage to reduce the down payment to as little as 5%. These structures are highly specialized and lender-specific.

One jumbo loan
vs.

Contact the Mortgage Viking
📞 281-222-0433