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Loan options
Conventional
A conventional loan is a mortgage loan that’s not backed by a government agency. Conventional loans are broken down into “conforming” and “non-conforming” loans.
USDA
The USDA Rural Development Guaranteed Housing Loan Program is a mortgage loan offered to rural property owners. This program makes houses more affordable for those living in areas with limited growth or low population densities, and it can help you buy your first home too!
ITIN
Individual Tax Identification Number (ITIN) loans are for people who are not eligible for Social Security numbers. ITIN’s are issued to both resident and nonresident aliens for tax-reporting purposes.
FHA
A Federal Housing Administration (FHA) loan is a mortgage that is insured by the FHA and issued by a bank or other approved lender.
Down Payment Assistance
Homebuyers are often left with less than they expected when purchasing their dream house. Fortunately, there is a solution that can help you avoid this problem and get into the property of your choice: down payment assistance loans!
Bank Statement
A bank statement loan is an alternative to traditional mortgage products. These loans make it possible to gauge a buyer’s ability to repay a loan based on their bank statements and banking history in place of income that’s reported on W-2’s, pay stubs or tax returns.
*These products may have a higher interest rate, more points, or more fees than other products requiring documentation.*
DSCR
What Is a Debt Service Coverage Loan? A DSCR loan is a type of non-QM loan for real estate investors. Lenders use a DSCR to help qualify real estate investors for a loan because it can easily determine the borrower’s ability to repay without verifying income.
*These products may have a higher interest rate, more points, or more fees than other products requiring documentation.*
VA
The U.S Department of Veterans Affairs has a mortgage program that offers loans to active and veteran service personnel, their surviving spouse (if applicable), as well as any children they may have at home with them when applying for the house purchase or refinance process!
Hard Money
A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies.
*These products may have a higher interest rate, more points, or more fees than other products requiring documentation.*
1099 Only
1099 earners who want to apply for simple, affordable home financing have the option of exclusively using their 1099 income when applying. There is no other verification required under this program and it’s perfect if you’re looking at getting your first mortgage or refinancing!
*These products may have a higher interest rate, more points, or more fees than other products requiring documentation.*
We know you’re busy. That’s why we offer an easy online application process.
Applying for a mortgage can be a long and tedious process. You have to go through the hassle of gathering all your documents, filling out mountains of paperwork, and then waiting weeks or even months for a response. At Dream House Lending, we want to make the mortgage application process as easy and stress-free as possible. That’s why we offer an online application that you can complete in just minutes from the comfort of your own home. Plus, our loan officers are available 24/7 via phone call to answer any questions you may have about the application process or your loan options. We know that finding the right mortgage is important to you and your family. That’s why we work hard to get you pre-approved for a loan as quickly as possible – so you can start shopping for your dream home with confidence.
Apply now for a mortgage with Dream House Lending!
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Hours
Monday - Friday
9am - 5:30pm
Phone
(661) 454-7700
Address
4600 American Ave. Suite 201 Bakersfield, CA 93312
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Dream House Lending | 5001 California Ave Suite 212, Bakersfield, CA 93309 | Phone: (661) 454-7700 | Email: [email protected] | NMLS # 2269316 | Loans arranged pursuant to California Finance Lenders Law License #60DBO-154707 | www.nmlsconsumeraccess.org | Equal Housing Opportunity