Cross-Border Mortgage

For U.S. residents buying property in the Philippines, this mortgage allows you to finance your purchase with a down payment, instead of paying in full. Enjoy fixed rates for 3 or 5 years and amortization for over 10 years.

Fixed Rate Mortgage

Ideal for those looking to spread payments over 15 to 30 years, this option offers fixed monthly payments. While adjustments may occur for property taxes and insurance, your monthly payments remain fixed throughout the loan term.

Federal Housing Administration (FHA) Loan

Perfect for buyers seeking a lower down payment, more reasonable credit expectations, and flexible income requirements. FHA loans are insured by the Federal Housing Administration, reducing lender risk and making homeownership more accessible for those who may not qualify for conventional mortgages.

Veterans Administration (VA) Home Loan

Available all over the United States, the VA Home Loan offers low-cost, low-risk financing for those who meet any of the following conditions:

1. You served in the military for 181 days during peacetime
2. You served in the military for 90 days during wartime
3. You are the spouse of a serviceman who lost their life or is missing in action

If you meet these requirements, you can enjoy benefits like reduced closing costs, no prepayment penalties, lower interest rates, and better loan terms than a conventional mortgage, plus additional support in case of default.

USDA Loan

A great alternative to traditional mortgages, the USDA Loan offers low interest rates, flexible credit requirements, and no down payment. Great if you are eyeing property in rural or suburban areas designated for this loan.

Jumbo Loan

If the property you're interested in exceeds conventional loan limits (typically over $548,250), a jumbo loan can help. It offers flexible terms with either fixed or adjustable interest rates.

Bank Statement Home Loan

Ideal for eligible self-employed buyers, the Bank Statement Home Loan lets you use personal or business bank statements to verify income—no tax returns required. Available for purchases, cash-out, or refinancing on primary, secondary, or investment properties, including single-family homes, townhomes, and condos.

Requirements:
• 12-24 months of personal or business bank statements
•Additional documents to verify income

Note: Not all self-employed borrowers will qualify. Additional documentation may be required.

Investor Cash Flow Loan

Our Investor Cash Flow Loan lets you qualify for a home loan using the cash flow from existing properties—no employment info or tax returns needed. This loan is available for purchases, cash-out, or refinancing with no limit on the number of properties. You can borrow up to $1.5 million and use it for non-warrantable condos, short-term rentals, and VRBOs (note: the loan cannot be used for condo hotels).