Tag Lending Group

TLG WEEKLY UPDATE

Every Friday, we feature mortgage programs, financing solutions, and guideline enhancements from our nationwide lending network. Explore the latest opportunities and discover financing options for homebuyers, homeowners, investors, and Realtors®

Last Week's Update!

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Learn More About This Program

Learn More About This Program
01 / 05
Mortgage Intelligence

What are Loan Options?

Once you think through your goals and determine how much home your budget can handle, it’s time to choose a mortgage. With so many different mortgages available, choosing one may seem overwhelming. The good news is that when you work with Tag Lending Group, our AI Mortgage Solution System will walk you through every step of the way!
 
 
 
 
 
Mortgage Intelligence

What are Loan Options?

 Once you think through your goals and determine how much home your budget can handle, it’s time to choose a mortgage. With so many different mortgages available, choosing one may seem overwhelming. The good news is that when you work with Tag Lending Group. Our AI Mortgage Solution System will walk you through every step of the way! 

LOAN PROGRAMS

Find the Right Mortgage Program with Confidence

Whether you're buying a home, refinancing, investing, or helping a client navigate financing, our Loan Programs platform makes it easy to explore mortgage solutions available through our nationwide network of over 100 lending partners.

Bank Statement
  • Non-QM
  • Self-Employed
  • Bank Statements (12-Month)
  • Bank Statements (24-Month)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
  • List item
+6 more
Bank Statement Program

A perfect fit for self-employed borrowers

 

Min. FICO 620 | Up to 90% LTV○ Use personal, business, or combined bank statements
○ No tax returns required
○ Flexible income calculation 

Available Through Our Lending Partners:

  • Kings Mortgage Service & Forge Capital
  • JMAC Lending
  • The Loan Store
  • Tag Lending Group, LLC
  • Kind Lending
  • Champions Funding, LLC
  • AD Mortgage
  • CAKE TPO
  • ResiCentral
  • Plaza Home Mortgage
  • Windsor Mortgage
  • Park Place Finance
  • Lead Plus Wholesale Lending
  • Lendz Financial
  • Pennymac
  • EPM
  • Newrez
  • Deephaven Mortgage LLC
  • ClearEdge Lending
  • N2 Funding
  • Angel Oak Mortgage Solutions
  • Acra Lending
  • Orion Lending
  • LendSure Mortgage
  • Rockstar Wholesale
  • Rise TPO
  • LendingPros
  • Forward Lending
  • GIANT Lending
  • LenderMAC
  • Private Mortgage Group
  • MortgageOne
  • Hometown Equity Mortgage, LLC dba theLender
  • Alto Capital
  • First Colony Mortgage
  • Oaktree Funding
  • New Wave Lending
  • NewPoint Mortgage
  • Brokers First Funding
  • Axos Bank
  • Union Home Mortgage (SPM)
  • PowerTPO
  • MFSTPO
  • REMN Wholesale
  • AMWEST Funding Corp
  • Newfi
  • Union Home Mortgage (TPO)
  • Foundation Mortgage
  • theLender
  • HomeXpress Mortgage
  • Greenbox Loans
  • Logan Finance
  • LoanStream Mortgage
  • Change Wholesale
1 year self employed
  • Non-QM
  • Self-Employed
  • Bank Statements (12-Month)
  • Primary Residence
  • Second Home
  • Purchase
  • Refinance
+3 more
1-Year Self-Employed Program

Buy sooner without the 2-year wait

 

Min. FICO 660 | Up to 80% LTV
○ Only 1 year of self-employment required
○ Qualify using 12 months bank statements + prior W2/1099
○ Must be in the same line of work

Available Through Our Lending Partners:
Kings Mortgage Service & Forge Capital, JMAC Lending, The Loan Store, Kind Lending, Champions Funding, LLC, CAKE TPO, ResiCentral, Plaza Home Mortgage, Windsor Mortgage, Lead Plus Wholesale Lending, Lendz Financial, Newrez, Deephaven Mortgage LLC, ClearEdge Lending, Angel Oak Mortgage Solutions, Quontic Bank, Acra Lending, Orion Lending, Rockstar Wholesale, Rise TPO, Forward Lending, GIANT Lending, LenderMAC, MortgageOne, Hometown Equity Mortgage, LLC dba theLender, Alto Capital, First Colony Mortgage, New Wave Lending, NewPoint Mortgage, Brokers First Funding, Union Home Mortgage (SPM), JLD Capital, LLC dba CapitalEdge Funding, REMN Wholesale, AMWEST Funding Corp, Newfi, Foundation Mortgage, HomeXpress Mortgage, Greenbox Loans, Logan Finance, LoanStream Mortgage.

Profit and Loss Program
  • Non-QM
  • Self-Employed
  • Profit & Loss (1-Year)
  • Profit & Loss (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
  • Available Through Our Lending Partners: Kings Mortgage Service & Forge Capital, JMAC Lending, The Loan Store, Kind Lending, Champions Funding, LLC, CAKE TPO, ResiCentral, Plaza Home Mortgage, Windsor Mortgage, Lead Plus Wholesale Lending, Lendz Financial, Newrez, Deephaven Mortgage LLC, ClearEdge Lending, Angel Oak Mortgage Solutions, Quontic Bank, Acra Lending, Orion Lending, Rockstar Wholesale, Rise TPO, Forward Lending, GIANT Lending, LenderMAC, MortgageOne, Hometown Equity Mortgage, LLC dba theLender, Alto Capital, First Colony Mortgage, New Wave Lending, NewPoint Mortgage, Brokers First Funding, Union Home Mortgage (SPM), JLD Capital, LLC dba CapitalEdge Funding, REMN Wholesale, AMWEST Funding Corp, Newfi, Foundation Mortgage, HomeXpress Mortgage, Greenbox Loans, Logan Finance, LoanStream Mortgage.
+6 more
Profit and Loss Program

Built for borrowers who need flexible documentation

 

Min. FICO 600 | Up to 80% LTV
○ Use a 1-year profit and loss statement to qualify
○ Eligible for SFRs, condos, and townhomes
○ Not available for first-time homebuyers

1099 Only
  • Non-QM
  • Self-Employed
  • 1099 Only
  • Profit & Loss (1-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+5 more
1099

Designed for commission-based and independent earners

 

Min. FICO 620 | Up to 80% LTV
○ Qualify using 1099 income only
○ No tax returns required
○ Loan amounts up to $8M

non-qm combo loan
  • Non-QM
  • Self-Employed
  • High Net Worth Individual
  • Alternative Credit
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+5 more
Non-QM Combo Loan Program

Flexible financing for borrowers outside traditional guidelines

 

Min. FICO 660 | Up to 85% LTV
○ Ideal for self-employed or asset-rich borrowers
○ Allows recent credit events like BK or foreclosure
○ Up to $3M loan amounts available

full doc non-qm
  • Non-QM
  • Employed
  • Self-Employed
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+5 more
Full Doc Non-QM

A full documentation option with expanded non-QM flexibility

 

No Score or Min. FICO 620 | Up to 80% CLTV
○ Loan amounts up to $4M
○ Flexible cash-in-hand limits based on CLTV
○ Built for borrowers who need non-agency options

WVOE
  • Non-QM
  • Employed
  • WVOE
  • Primary Residence
  • Purchase
  • Refinance
+2 more
WVOE

A streamlined option for wage earners with stable employment

 

Min FICO 620 | Up to 80% LTV
○ No paystubs, W2s, tax returns, or 4506-C required
○ Uses completed FNMA Form 1005
○ Requires 2-year history with the same employer

DCSR
  • Non-QM
  • Investor
  • DSCR ≥ 1.00
  • Investment Property
  • Purchase
  • Refinance
+2 more
DSCR

Close investment loans with fast, flexible qualification

 

Min. FICO 620 | Up to 80% LTV
○ Qualify using property cash flow (DSCR > 1.25)
○ No personal income or employment required
○ Short-term rentals allowed

dscr investor program (2)
  • Non-QM
  • Investor
  • DSCR ≥ 1.00
  • Investment Property
  • Purchase
  • Refinance
+2 more
DSCR Investor Program

Cash-flow based financing for investment properties

 

Min. FICO 620 | Up to 80% LTV
○ Qualify using rental income (DSCR-based)
○ No tax returns or employment needed
○ Options available for purchases and refinances

dscr max
  • Non-QM
  • Investor
  • DSCR < 1.00
  • Investment Property
  • Purchase
  • Refinance
+2 more
DSCR Max

Built for experienced investors seeking higher loan amounts

 

Min. FICO 660 | Up to 70% LTV
○ Qualify using rental income (DSCR-based)
○ No personal income or employment required
○ Refinance and cash-out options available

DSCR Investor Loan -85% LTV
  • Non-QM
  • Investor
  • DSCR ≥ 1.00
  • Investment Property
  • Purchase
  • Refinance
+2 more
DSCR Investor Loan -85% LTV

Designed for real estate investors

 

Min. FICO 660 | Up to 85% LTV purchase
○ Qualify using rental income only
○ No employment or tax returns required
○ Supports 1–10 unit properties

TLG Website (4)
  • Non-QM
  • Investor
  • DSCR ≥ 1.00
  • Investment Property
  • Purchase
  • Refinance
+2 more
Investor Flex

Built for scaling investors using rental income to qualify

 

Min. FICO 660 | Up to 80% LTV
○ Qualify based on rental income
○ Ideal for LLCs and portfolio growth
○ Flexible terms for investment expansion

Foreign National Program (1)
  • Non-QM
  • Foreign National
  • Foreign Income
  • Investment Property
  • Purchase
  • Refinance
+2 more
Foreign National Program

Access U.S. financing without traditional domestic documentation

Min. FICO Not Required | Up to 75% LTV
○ Designed for non-U.S. citizens buying property in the U.S.
○ Flexible loan structures for international borrowers
○ Great for rental income or long-term appreciation

Foreign National full doc (2)
  • Non-QM
  • Foreign National
  • Foreign Income
  • Investment Property
  • Purchase
  • Refinance
+2 more
Foreign National Full Doc

A full documentation option for international borrowers

 

Min FICO Not Required | Up to 75% LTV
○ Overseas assets can be used as reserves
○ One bank reference letter required
○ CPA letter for the last 2 years and year-to-date required

Foreign National Asset Utilization
  • Non-QM
  • Foreign National
  • Foreign Income
  • Investment Property
  • Purchase
  • Refinance
+2 more
Foreign National Asset Utilization

A full documentation option for international borrowers

 

Min FICO Not Required | Up to 75% LTV
○ Overseas assets can be used as reserves
○ One bank reference letter required
○ CPA letter for the last 2 years and year-to-date required

Asset depletion
  • Non-QM
  • Self-Employed
  • High Net Worth Individual
  • Asset Utilization
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
  • Purchase
+5 more
Asset Depletion Program

Qualify using assets instead of income

 

Min. FICO 620 | Up to 80% LTV
○ Convert liquid assets into qualifying income
○ No employment or income required
○ Ideal for retirees or high-net-worth clients

ITIN Program
  • Non-QM
  • Employed
  • WVOE
  • Bank Statements (12-Month)
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
  • Purchase
+5 more
ITIN Program

Flexible financing for ITIN borrowers

 

Min. FICO 640 | Loan Amounts Up to $1M
○ Flexible mortgage financing available for borrowers without a Social Security Number
○ Wage earners may qualify using WVOE and bank statements without W2s or paystubs
○ Available for purchase and refinance transactions across multiple occupancy types

no income no ratio
  • Non-QM
  • Self-Employed
  • Investors
  • No Income / No Ratio
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+5 more
No Business, No Income, No Ratio Program

Designed for borrowers outside traditional income guidelines

 

Min. FICO 660 | Up to 80% LTV
○ No DTI calculation required
○ No income or employment verification required
○ Available for primary, second homes, and investment properties

expanded prime
  • Non-QM
  • Employed
  • Self-Employed
  • Investors
  • Full Doc (2-Year)
  • 1099 Only
  • Profit & Loss (1-Year)
  • Bank Statements (12-Month)
  • Bank Statements (24-Month)
  • Asset Utilization
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+11 more
Expanded Prime Program

Designed for borrowers needing flexible income options

 

Min. FICO 700 | Up to 70% LTV
○ Use full doc, 1099, P&L, or bank statements
○ Asset utilization available for qualification
○ Ideal for self-employed and complex income borrowers

TITAN FLEX
  • Non-QM
  • Employed
  • Self-Employed
  • Investors
  • High Net Worth Individual
  • Full Doc (2-Year)
  • 1099 Only
  • Asset Utilization
  • Bank Statements (12-Month)
  • WVOE
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+11 more
Titan Flex Loan Program

Built for borrowers needing maximum flexibility

 

Min. FICO 660 | Up to 85% LTV
○ Flexible income documentation | 40-year options available
○ Use full doc, 1099, bank statements, or asset utilization
○ WVOE option available for simplified qualification

Owner-Occupied No Ratio Program
  • Non-QM
  • Employed
  • Self-Employed
  • Investors
  • No Income / No Ratio
  • Primary Residence
  • Second Home
  • Purchase
  • Refinance
+5 more
Owner-Occupied No Ratio Program

Designed for primary and second home borrowers

 

Min. FICO 660 | Up to 85% LTV
○ No income or employment verification required
○ Available for owner-occupied and second homes
○ Focus on credit profile and asset strength

Boost Bridge Loan-1
  • Non-QM
  • Investor
  • Homeowner
  • Full Doc (2-Year)
  • Bank Statements (24-Month)
  • DSCR >= 1.00
  • Other
  • Investment Property
  • Purchase
  • Refinance
+6 more
Boost Bridge Loan

Buy Your Next Home Before Selling Your Current One

 

Up to 75% LTV (70% in FL) | Loan Amounts Up to $2M
○ Leverage home equity to buy before you sell.
○ Available for primary, second homes, and investment properties.
○ Multiple income documentation options are available.

ATR IN FULL
  • Non-QM
  • Employed
  • Self-Employed
  • High Net Worth Individuals
  • Asset Utilization
  • Primary Residence
  • Second Home
  • Purchase
  • Refinance
+5 more
ATR-IN Full Program

Qualify using assets instead of traditional income

 

Min. FICO 600 | Up to 80% LTV Purchase
○ Qualify using liquid assets with no traditional income verification required
○ Flexible qualification structure designed for cash-heavy borrowers
○ Available for primary residences and second homes with simplified underwriting

Interest-Only Program
  • Non-QM
  • Employed
  • Homeowners
  • Investors
  • Interest-Only
  • Full Doc
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+7 more
Interest-Only Program

Lower monthly payments with flexible financing options

 

Min. FICO 640 | Loan Amounts Up to $3M
○ Interest-only payment options available with lower initial monthly payments
○ Available for primary residences, second homes, and investment properties
○ Flexible financing structure with 5-Year and 10-Year IO term options

Non-QM Niche Program
  • Non-QM
  • Employed
  • Self-Employed
  • Investor
  • Homeowner
  • Credit-Challenged Borrower
  • Full Doc (2-Year)
  • Full Doc (1-Year)
  • 1099 Only
  • Profit & Loss (2-Year)
  • Profit & Loss (1-Year)
  • Bank Statements (12-Month)
  • Bank Statements (24-Month)
  • Asset Utilization
  • WVOE
  • DSCR ≥ 1.00
  • DSCR < 1.00
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+18 more
Non-QM Niche Program

Specialized Solutions for Unique Properties and Borrower Scenarios

 

Min. FICO 600 | Loan Amounts Up to $4M-$5M (Case-by-Case)

○ Financing available for specialty property types, including condotels, manufactured homes, short-term rentals, and 2-4 unit properties.
○  Multiple qualification options available, including DSCR, Bank Statements, Asset Utilization, WVOE, P&L, 1099, and Full Doc.
○  Flexible underwriting for borrowers with unique credit profiles, recent credit events, or non-traditional income sources.

Asset Utilization Program
  • Non-QM
  • Homeowner
  • High Net Worth Individual
  • Asset Utilization
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+5 more
Asset Utilization Program

Qualify Using Your Assets Instead of Employment Income

 

Min. FICO 620 | Loan Amounts Up to $4 Million

○ Qualify using eligible liquid assets instead of employment or self-employment income.
○ No tax returns, pay stubs, or employment verification required, and assets do not need to be liquidated.
○ Available for purchase and refinance transactions with financing up to 80% CLTV and DTI up to 55%.

Conventional
  • Conventional
  • Employed
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+4 more
Conventional Loan

A flexible mortgage solution for well-qualified borrowers

 

Min FICO 620 | Up to 97% LTV
○ Available for primary, second, and investment properties
○ No upfront funding fee required
○ Potentially lower rates for excellent credit

Conventional High Balance (1)
  • Conventional
  • Employed
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+4 more
Conventional High Balance

Expanded conforming financing for higher-cost markets

 

Min FICO 620 | Up to 97% LTV
○ FICO as per AUS
○ Cash-out allowed
○ Available for primary, second, and investment properties

HomeReady First
  • Conventional
  • Employed
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+3 more
HomeReady First

An affordable conventional option for eligible buyers

 

Min. FICO 620 | Up to 97% LTV
○ Up to $5,000 grant available
○ Flexible income sources allowed
○ Reduced PMI options
○ Ideal for first-time homebuyers

Homestyle
  • Conventional
  • Employed
  • First-Time Homebuyer
  • Investors
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+6 more
Fannie Mae HomeStyle Program

Finance the home and renovations in one loan

 

Min. FICO 620 | Up to 97% LTV
○ Eligible for primary, second, and investment properties
○ Uses after-completion appraised value
○ Can cover remodeling, repairs, ADUs, and more

HomeOne
  • Conventional
  • FHA
  • VA
  • Employed
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+5 more
Freddie Mac HomeOne Program

Ideal for first-time homebuyers with no income or location limits

 

FICO per AUS, Up to 97% LTV
○ Loan amounts up to $832,750
○ Minimum down payment is 3%
○ Max CLTV is 105%; max LTV is 97%

FHA Loan
  • FHA
  • Employed
  • First-Time Homebuyer
  • Credit-Challenged Borrower
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+4 more
FHA Loan

A flexible government-backed option for buyers

 

Min. FICO 580 | As Low as 3.5% Down
○ Higher debt-to-income ratios allowed
○ Loans are assumable
○ Seller, builder, or lender credits may help with closing costs

FHA high balance (3)
  • FHA
  • Employed
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+3 more
FHA High Balance

Higher FHA loan limits for qualifying borrowers in eligible areas

 

Min. FICO 580 | Up to 97.75% CLTV
○ Loan amounts up to $1,209,750
○ DTI as per AUS
○ Available for primary residences and second homes

standard 203
  • FHA
  • Employed
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+2 more
Standard 203(K) Program

Renovation financing is built into one loan

 

Min. FICO 580 | 3.5% Down Payment
○ Available for purchase or refinance
○ Covers structural repairs, additions, HVAC, roofing, and more
○ Can also include new appliances

VA Loan
  • VA
  • Veteran
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+2 more
VA Loan

A powerful benefit for eligible veterans and service members

 

Min FICO 580 | 0% down
○ Competitive interest rates
○ Flexible credit requirements
○ Assumable loan options available

VA Renovation Loan
  • VA
  • Veteran
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+2 more
VA Renovation Loan

Buy and renovate a home with one loan

 

Min. FICO 580 | Up to 100% LTV
○ Finance purchase or refinance plus renovation costs in one VA loan
○ No down payment and no monthly mortgage insurance for eligible Veterans
○ Covers repairs, upgrades, and improvements based on after-completion value

USDA Loan
  • USDA
  • Employed
  • First-Time Homebuyer
  • Credit-Challenged Borrower
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+3 more
USDA Loan

Affordable financing for eligible rural and suburban homebuyers

 

Min. FICO 580 | 0% down
○ Available in eligible rural or suburban areas
○ Designed for qualifying households
○ Great option for low-down-payment buyers

Jumbo Loan-3
  • Jumbo
  • High Net Worth Individual
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+4 more
Jumbo Loans

Flexible financing solutions for high-value home purchases

 

Min. FICO 700 | Up to 90% LTV
○ Designed for high-balance and luxury properties
○ Competitive pricing with flexible loan structures
○ No PMI options available (20% down)
○ Ideal for primary, second homes, or investment properties

Full Doc Jumbo Loan
  • Jumbo
  • High Net Worth Individual
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+4 more
Full Doc Jumbo Prime

Premium jumbo financing for highly qualified borrowers

 

Min. FICO 720 | Up to $3.5M
○ 15- and 30-year fixed options
○ Cash-out up to 75% HCLTV
○ No mortgage insurance required

Super Prime
  • Jumbo
  • High Net Worth Individual
  • Full Doc (2-Year)
  • Profit & Loss (1-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+5 more
Super Prime

Expanded high-balance financing with strong leverage options

 

Min. FICO 620 | Up to 90% HCLTV
○ Loan amounts up to $4M
○ 30- and 40-year fixed plus ARM options
○ DTI up to 55%

Commercial Loan
  • Commercial
  • Investor
  • Foreign Income
  • Business Purpose
  • Investment Property
  • Purchase
  • Refinance
  • Other
+4 more
Commercial Loan

Financing for business growth and real estate investment

 

Min. FICO 680 | Up to 75% LTV
○ Access funds for expansion or commercial real estate
○ Potential tax advantages may apply
○ Built for investor and business-use scenarios

Private Money
  • Commercial
  • Investor
  • No Income / No Ratio
  • Asset Utilization
  • Investment Property
  • Purchase
  • Refinance
  • Other
+4 more
Private Money

Fast and flexible financing outside traditional guidelines

 

No minimum FICO | Up to 70% LTV
○ Helpful for borrowers with poor credit
○ Often easier to qualify for than traditional loans
○ Built for speed and flexibility

Fix and Flip
  • Commercial
  • Investor
  • No Income / No Ratio
  • Asset Utilization
  • Investment Property
  • Purchase
  • Other
+3 more
Fix And Flip Program

Short-term financing for acquisition, renovation, and resale

 

Min. FICO 660 | 20% Down Required
○ Finance purchase price and rehab costs in one loan
○ No payments required for the first 12 months
○ Interest rates typically range from 9%–11%

One-Time Close Construction Program
  • Construction
  • Investor
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Purchase
+2 more
One-Time Close Construction Program

Build your home with one loan, one approval, and one closing

 

Min FICO 700 | Up to 95% LTV
○One-time closing, no need to refinance after construction
○ Lock your rate upfront for long-term stability
○ Finance construction costs and land in one loan
○ Streamlined process from build to move-in

Construction Financing (1)
  • Construction
  • Investor
  • Business Purpose
  • Purchase
  • Other
+1 more
Construction Financing

Fast funding for project-based real estate opportunities

 

No minimum FICO | Up to 82% LTC
○ 1% origination fee to Easy Street Capital
○ Built for quick execution
○ Ideal for construction-focused financing needs

Ground-Up Construction Program
  • Construction
  • Investor
  • Business Purpose
  • Investment Property
  • Other
+1 more
Ground-Up Construction Program

Flexible financing for new construction projects

 

Up to 90% LTC | Up to 70% LTV
○ Loans up to $3M
○ In-house construction management and inspections
○ Contact your rep for current rates

Rentalinvestment financing
  • Non-QM
  • Investor
  • DSCR ≥ 1.00
  • Investment Property
  • Purchase
  • Refinance
+2 more
Rental & Investment Property Financing Program

Long-term financing for rental and investment properties

 

Min. FICO 660 | Up to 80% LTV
○ Eligible for single rentals, vacation homes, and multi-unit portfolios
○ Competitive rates available
○ Built for long-term real estate investors

Equity advantage
  • Second Lien / Equity
  • Homeowner
  • Investors
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
+4 more
Equity Advantage

Designed for homeowners and investors

 

Stand-alone second lien | Flexible property eligibility
○ Fixed-rate second mortgage structure
○ No need to refinance existing first lien
○ Ideal for leveraging equity while keeping low rates

Piggyback HELOC
  • Second Lien / Equity
  • Employed
  • Homeowner
  • HELOC
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
+4 more
Piggyback HELOC

Designed for homeowners looking to maximize financing

 

First + HELOC combo | Reduce out-of-pocket costs
○ Simultaneous financing with first lien and HELOC
○ Access additional funds at closing
○ Flexible structure for purchase transactions

Close end mortgage
  • Second Lien / Equity
  • Homeowner
  • Self-Employed
  • Full Doc (2-Year)
  • Bank Statements (12-Month)
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
+5 more
Closed-End Second Mortgage

Designed for homeowners needing fixed second lien financing

 

Up to 85% CLTV | Fixed-rate second lien
○ Predictable fixed monthly payments
○ Access equity without refinancing the first mortgage
○ Ideal for cash-out or consolidation

Fixed-rate HELOC (2)
  • Second Lien / Equity
  • Homeowner
  • HELOC
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
+3 more
Fixed Rate HELOC

Designed for homeowners seeking stable equity access

 

Fixed-rate HELOC | Predictable payments
○ Based on CLTV and credit profile
○ Access funds without refinancing the first mortgage
○ Ideal for long-term planning and stability

Second mortgage (2)
  • Second Lien / Equity
  • Homeowner
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • 2Y Full Doc
+3 more
Second Mortgage

Designed for homeowners needing additional financing

 

Fixed-term second lien | Access equity without refinance
○ Standard second mortgage structure
○ Allows gift funds in some cases
○ Ideal for cash-out or supplemental financing

Home Equity Solutions
  • Second Lien / Equity
  • Homeowner
  • Full Doc (2-Year)
  • Asset Utilization
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
+4 more
Home Equity Solutions

Designed for homeowners looking to access their equity

 

Flexible condo eligibility | Primary, second, and investment use
○ Qualify using full doc or asset utilization
○ Available for owner-occupied and investment properties
○ Ideal for cash-out, debt consolidation, or investing

Doctor Loan (1)
  • Specialty
  • Employed
  • High Net Worth Individual
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
  • Refinance
+3 more
Doctor Loan Program

Financing for medical professionals at different career stages

 

Min. FICO 680 | Up to 95% LTV
○ Up to $2M for licensed professionals who completed residency
○ Up to $1M for residents, interns, and fellows
○ Primary residence purchase only

Family settling into new home
  • Specialty
  • Employed
  • Homeowner
  • Full Doc (2-Year)
  • Asset Utilization
  • Primary Residence
  • Purchase
  • Refinance
+4 more
Buy Before You Sell

Unlock equity so you can move before your current home sells

 

Min. FICO 660 | Up to 80% LTV
○ Make a stronger offer on your next home
○ Avoid moving twice
○ Built for smoother equity transitions

1% giveback program (2)
  • Specialty
  • Employed
  • First-Time Homebuyer
  • 2Y Full Doc
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Purchase
  • Refinance
+5 more
1% Giveback Program

Extra lender credit support to reduce borrower costs

 

Min. FICO 640 | Up to 97% LTV
○ Credit comes from premium pricing
○ Can help reduce cash needed at closing
○ Useful for affordability-focused financing

Non Warrantable Condos (1)
  • Specialty
  • Employed
  • Investors
  • Full Doc (2-Year)
  • Bank Statements (12-Month)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+6 more
Non-Warrantable Condo

Financing for condos that fall outside standard lending guidelines

 

Min. FICO 660 | Up to 85% LTV
○ Access financing for non-traditional condo properties
○ Ideal for projects that do not meet agency standards
○ Helps open more condo purchase opportunities

manufactured homes
  • Specialty
  • Employed
  • First-Time Homebuyer
  • Veteran
  • 2Y Full Doc
  • Primary Residence
  • Purchase
  • Refinance
+4 more
Manufactured Homes

Flexible financing for a wide range of manufactured housing

 

FICO as Low as 500 | Up to 100% Financing on Select Programs
○ Available with FHA, VA, USDA, and Conventional options
○ Eligible for singlewide, doublewide, and triplewide homes
○ Includes purchase, rate-term, and cash-out options

Non-Traditional Credit Program
  • Specialty
  • Employed
  • First-Time Homebuyer
  • Veteran
  • Full Doc (2-Year)
  • Alternative Credit
  • Primary Residence
  • Purchase
+4 more
Non-Traditional Credit Program

Financing for borrowers without traditional credit

 

Min. FICO Not Required | Up to 97% LTV
○ Alternative credit like rent, utilities, and phone bills may be used
○ Available with FHA, FNMA, and VA options
○ Eligible for SFRs, condos, PUDs, and some manufactured homes

Reverse Mortgage
  • Specialty
  • Homeowner
  • Full Doc (2-Year)
  • Primary Residence
  • Refinance
+1 more
Reverse Mortgage Program

Access home equity through a reverse mortgage structure

 

Min. FICO 600 | Loan Amounts Starting at $40,000+
○ Convert home equity into accessible funds with no monthly mortgage payments
○ Available for primary residence refinance with required counseling
○ Residual income and credit requirements apply based on borrower profile

0% down
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
0% Down Purchase Program

Designed for very-low-income first-time homebuyers

 

Min FICO 620 | Up to 97% LTV
○ Helps eliminate upfront cash barriers
○ Includes an assistance component to offset costs
○ Ideal for borrowers with limited savings

Elevate Grant DPA Program
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
Elevate Grant DPA Program

Designed for low-to-moderate income homebuyers

 

Grant-based assistance | No repayment required
○ Available with FHA and conventional loans
○ Helps cover down payment and closing costs
○ Income-targeted eligibility, Ideal for first-time buyers

Boost DPA
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
Boost DPA Program

Perfect for first-time homebuyers with limited funds

 

FHA 580–599 FICO | No Min. LTV or Max. CLTV
○ Forgivable or repayable assistance options
○ Available with FHA and USDA loans
○ Helps cover down payment and closing costs

Aurora DPA
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
Aurora DPA Program

Designed for buyers needing flexible assistance options

 

Min. FICO 620 | Up to 97% LTV
○ First-time homebuyer eligibility may not be required
○ Helps reduce upfront cash needed
○ Flexible qualification structure

shared appreciation
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
Shared Appreciation DPA Program

Designed for buyers seeking lower upfront costs

 

Down payment assistance with shared appreciation
○ Second lien tied to future home value
○ Reduces initial cash investment
○ Ideal for long-term homeowners

smart dpa
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
SmartBuy DPA

Designed for FHA borrowers needing assistance

 

Min. FICO 620 | Up to 97% LTV
○ Available for standard and blended credit profiles
○ Helps reduce cash to close
○ Works with FHA financing
○ Supports first-time homebuyers

Hometown Heroes program
  • DPA
  • Employed
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+2 more
Florida's Hometown Heroes Program

Designed for eligible Florida homebuyers and occupations

 

Min. FICO 640 | Up to 97% LTV
○ State-specific program with income/occupation eligibility
○ Helps cover down payment and closing costs
○ Supports workforce housing initiatives
○ Ideal for primary residence purchases

empowered dpa
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
Empowered Down Payment Assistance

Designed for first-time buyers needing support

 

Min. FICO 620 | Up to 97% LTV
○ Allows seller concession flexibility
○ DU approve/eligible required
○ Helps reduce upfront costs
○ Works with standard agency financing

FHA GRANT
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
FHA Payment Grant (DPA)

Designed for FHA borrowers needing upfront assistance

 

Min. FICO 580 | Up to 96.5% LTV
○ No silent second lien
○ Helps reduce cash to close
○ Works with FHA loans
○ Simple and clean structure

Blog Featured Image (63)-1
  • DPA
  • First-Time Homebuyer
  • Full Doc (2-Year)
  • Primary Residence
  • Purchase
+1 more
HomeStart DPA Program

Designed for FHA borrowers needing assistance

 

Min. FICO 620 | Up to 97% LTV
○ Available for standard and blended credit profiles
○ Helps reduce cash to close
○ Works with FHA financing
○ Supports first-time homebuyers

Condotel Loan Progrram
  • Specialty
  • Employed
  • Self-Employed
  • Investor
  • Homeowner
  • Full Doc (2-Year)
  • Bank Statement (12-Year)
  • Bank Statement (24-Year)
  • DSCR ≥ 1.00
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+10 more
Condotel Loan Program

Financing Solutions for Hotel-Style Condominium Properties

 

Min. FICO 600 | Loan Amounts Up to $4M
○ Finance eligible condotel and resort-style properties with flexible qualification options.
○ Full Doc, Bank Statement, and DSCR programs available for owner-occupied, second home, and investment properties.
○ Up to 75% LTV purchases, Airbnb income eligibility, entity vesting options, and no reserve requirements.

TLG Website (11)
  • Non-QM
  • Employed
  • Self-Employed
  • Investor
  • First-Time Homebuyer
  • Homeowner
  • High Net Worth Individual
  • Full Doc (2-Year)
  • Bank Statements (12-Month)
  • Bank Statements (24-Month)
  • Asset Utilization
  • Profit & Loss (1-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Purchase
  • Refinance
+13 more
Sharp A+ Program

Expanded Non-QM Financing with Multiple Ways to Qualify

 

Min. FICO 660 | Up to 90% LTV | Loan Amounts from $150K to $3M

○ Multiple income documentation options available.
○ Available for primary, second home, and investment properties.
○ Purchase, rate-term, and cash-out refinance options.

HELOC (2)
  • Second Lien / Equity
  • Homeowner
  • Investor
  • Full Doc (2-Year)
  • Primary Residence
  • Second Home
  • Investment Property
  • Refinance
+4 more
HELOC

Access Your Home Equity Without Refinancing Your First Mortgage

 

Min. FICO 620 | Up to 89% CLTV | Credit Lines from $5K to $1M
○ Access your home's available equity.
○ Fixed-rate initial draw with additional draw options.
○ Available for owner-occupied and investment properties.

 These Programs Are Available Through Our Lending Partners : 

We compare participating lending partners to help identify the financing solution that best aligns with your goals.

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What are Loan Options?

Once you think through your goals and determine how much home your budget can handle, it’s time to choose a mortgage. With so many different mortgages available, choosing one may seem overwhelming. The good news is that when you work with Tag Lending Group. Our AI Mortgage Solution System will walk you through every step of the way!

 

 

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FHA - Webpage
VA - Webpage
USDA - Webpage
JUMBO - Webpage
Conventional - Webpage
HELOC - Webpage
Commercial - Webpage
Private Money - Webpage
Bank Statement - Webpage
Foreign - Webpage
Condo - Webapge
1% - Webpage
0%- Webpage
Hometown - Webpage
Bridge Loan -Webpage
Buy Before You Sell - Webpage
Construction - Webpage
Doctors Program - Webpage
DSCR - Webpage
HomeReady First - Webpage
Profit & Loss - Webpage
No Business - Webpage
Fixed Rate Terms

Fixed-Rate Terms: 15 20, 30 Year 🏠

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Fixed Rate Terms 51

Fixed/Adjustable Rate Terms: 15, 20, 30 5/1, 7/1, 10/1, Year 🏠

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