LOAN PRODUCTS
At The Lending Collective, we believe every borrower deserves a loan tailored to their unique situation. Here’s a quick overview of some of the programs we specialize in.
LOAN PROGRAMS WE OFFER
JUMBO loans
For borrowers with larger dreams, jumbo loans are designed to finance properties exceeding the conforming loan limits. Whether it’s your luxury home or an investment property, we offer competitive rates and flexible terms for high-value mortgages.
VA loans
Designed exclusively for veterans, active-duty service members, and their families, VA loans provide unmatched benefits like no down payment, no mortgage insurance, and favorable terms. It’s our privilege to serve those who’ve served our country.
Conventional loans
The go-to choice for many homebuyers, conventional loans offer flexible options with competitive interest rates. These loans are ideal for borrowers with strong credit and a stable income, whether you’re buying your first home or refinancing.
NON-QM LOANS
If you’re self-employed, an entrepreneur, or have unique income circumstances, non-QM loans might be the solution for you. These loans don’t rely on traditional tax returns and offer a variety of flexible qualification methods to help you achieve homeownership.
FHA loans
A popular option for first-time buyers, FHA loans offer flexible qualification guidelines and down payments as low as 3.5%. Designed to make homeownership more accessible, they’re ideal for borrowers with lower credit scores or limited savings.
DOWN PAYMENT ASSISTANCE
Buying a home doesn’t have to drain your savings. We partner with programs that offer grants and loans to help cover your down payment, making it easier for qualified buyers to step into homeownership with confidence.
