What mortgage loan programs are available?

Mortgage loan programs include FHA, VA, conventional, DSCR, bank statement, jumbo, USDA, ITIN, and renovation loans, each designed for different types of borrowers.

Which loan program is best for self-employed borrowers?

Self-employed borrowers often use bank statement loans or non-QM loan programs, which allow qualification based on income deposits instead of tax returns.

Can I compare different loan options before applying?

Yes, borrowers can review multiple mortgage loan options to determine the best fit based on credit, income, down payment, and property goals.

How do I know which mortgage program I qualify for?

Qualification depends on your financial profile, including credit score, income type, down payment, and property type. A lender can help match you with the right program.

Mortgage Loan Programs Available

Q: What loan is best for real estate investors?

Many investors use DSCR loans because they qualify based on rental income instead of personal income, making it easier to scale investment properties.

DSCR, FHA, VA, Bank Statement & More

Get Pre-Approvedin Minutes

Get Approved - Fast, Simple, and Built to Win Offers

At The Galli Team, we offer a wide range of mortgage loan programs

designed to fit different financial situations and goals.

Whether you're buying your first home, refinancing,

investing in real estate, or qualifying with non-traditional income,

we help match you with the right loan strategy.

Loan Programs

Conventional Loans

Flexible options for qualified buyers with competitive terms for primary residences, second homes, and investment properties.

FHA Loans

Low down payment options with flexible credit guidelines for first-time and repeat buyers.

VA Loans

100% Financing options for eligible veterans, active-duty service members, and qualifying military borrowers.

USDA Loans

Zero down payment financing for eligible buyers in designated rural and suburban areas.

DSCR Loans

Investor-focused financing that allows qualification based on rental income instead of personal income.

Bank Statement Loans

Non-QM financing for self-employed borrowers who want to qualify using bank deposits instead of tax returns.

Down Payment Assistance Loans

Grants & Programs designed to help cover down payment and closing costs.

Construction & Renovation Loans

Finance the purchase, construction, or renovation of home with one streamline loan.

Home Equity

Loans

Access the equity in your home for renovations, investments, ar debt consolidation.

ITIN Loans

Mortgage Options for borrowers without a

Social Security number using an ITIN.

Jumbo Loans

Financing for higher-priced homes that

exceed conventional loan limits.

Non-QM Loans

Flexible loan solutions for borrowers who

don't fit traditional lending solutions.

Not Sure Which Mortgage Program Fits You Best?

The best loan program depends on your income, down payment, credit profile, property goals, and timelines. We help homebuyers, investors, and self-employed borrowers compare options and choose the right strategy.

Who We Help

Who These Loan Programs Are Designed For

First-time Homebuyers

Self-employed borrowers

Veterans

Real Estate Investors

Homeowners Refinancing

Buyers relocating

Borrowers with non-traditional income

Get My Options

FAQ'S

Do you offer Jumbo Loans?

Yes, we offer traditional jumbo loans, as well as non-traditional loans up to $5,000,000

Can I buy an investment property with less than 20% down?

Yes, we have conventional options with 15% down payment, as well as DSCR loans.

What is a DSCR loan?

This Debt Service Coverage Loan (DSCR) is for investment properties and the rental income qualifies the property- no tax returns or personal income documents are needed.

Do I need to wait a certain time to refinance?

Yes, some loan programs require seasoning of ownership which is usually 3-6 months.

What documents are needed to apply for a mortgage?

Most lenders require income documentation, bank statements, identification, and credit check. Some programs, like bank statement loans, allow self-employed borrowers to qualify without traditional tax return requirements.

Can I get approved for a mortgage with less-than-perfect-credit?

Yes, many loan programs are designed for buyers with lower credit scores. FHA loans and certain non-QM programs allow more flexibility, making homeownership possible even if your credit isn't perfect.

Schedule a call with our team, we will help determine

what loan program aligns with your goals.

Schedule your free consultation today!

Nationwide Markets Served

Follow Us On Social Media

Apply Now

Office:

Bradenton, Florida

Call

941-529-1040

Email: [email protected]

Site:

https://thegalliteam.com

Christopher Galli NMLS# 13152

Novus Home Mortgage, a division of Ixonia Bank is an Equal Housing Lender. We are headquartered at 20225 Water Tower Blvd. Suite 400, Brookfield, WI 53045.. NMLS No. 423065
(www.nmlsconsumeraccess.org). This is not an offer to enter into an agreement or a commitment to lend. All loans are subject to credit approval as well as program requirements

and guidelines. Rates and requirements are subject to change without notice. Not all products are available in all states. Other restrictions or limitations may apply. Novus Home Mortgage, a division of Ixonia Bank