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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 options
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.
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®
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This Week's Update!Non-QM Core Flex Program Learn More About This Program View / save full-size image -
Last Week's Update!ATR-In-Full Program Learn More About This Program View / save full-size image -
More Financing SolutionsFHA Elite Program Learn More About This Program View / save full-size image -
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Adjustable-Rate Mortgage (ARM) Learn More About This Program View / save full-size image -
Fast50 Loan Learn More About This Program View / save full-size image -
HomeZero FHA Program Learn More About This Program View / save full-size image -
2-8 Unit Mixed-Use Financing Learn More About This Program View / save full-size image -
Portfolio and Blanket Loans Learn More About This Program View / save full-size image -
Activator and Accelerator Full-Doc Program Learn More About This Program PDF View / save full-size image -
Special Edition Self-Employed Program Learn More About This Program View / save full-size image -
Non-Traditional Credit Program Learn More About This Program View / save full-size image -
Reverse Mortgage Program Learn More About This Program View / save full-size image -
Ground-Up Construction Loan Program Learn More About This Program View / save full-size image -
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Home Equity Line of Credit (HELOC) Learn More About This Program View / save full-size image -
Sharp A+ Program Learn More About This Program View / save full-size image -
Boost Bridge Loan Learn More About This Program View / save full-size image -
Asset Utilization Program Learn More About This Program View / save full-size image -
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FHA Payment Grant (DPA) Learn More About This Program View / save full-size image -
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Non-Warrantable Condo Program Learn More About This Program View / save full-size image
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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!
Program Library
Explore Loan Programs
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
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
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Special Edition Self-Employed Program
Home Financing for Self-Employed Buyers
Min. FICO 640 | Up to 96.5% financing
- Designed for eligible self-employed borrowers with established and verifiable business or trade history.
- Income qualification available using Profit & Loss Statements and a Balance Sheet.
- Offers up to 96.5% financing, with as low as 3.5% down for eligible borrowers.
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
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
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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
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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
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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
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
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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
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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
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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
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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
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 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
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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 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 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 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
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.
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ATR-IN Full Program
Qualify using assets instead of traditional income
Min. FICO 620 | Up to 90% LTV | Loan Amounts Up to $2M at 90% LTV
- 110% asset requirement based on purchase price.
- P&L-only and 1099-only income options.
- Checking, savings, investments & retirement assets accepted.
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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
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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.
Non-QM Core Flex Program
Flexible credit requirements with multiple property options
Min. FICO 500 | Up to 65% LTV | Loan Amounts Up to $1.25M | 45% Max DTI
- Purchase, rate/term refinance & cash-out.
- SFR, 2–4 unit, PUD & condo eligible.
- First-time homebuyers allowed (580+ FICO).
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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 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
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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
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
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
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
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
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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(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
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
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
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 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 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
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
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
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 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
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
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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
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
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
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
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
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
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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
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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
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
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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
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
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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
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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
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
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 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 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
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 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 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 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
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
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 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 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
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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
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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.
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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.
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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.
Activator and Accelerator Full-Doc Program
Flexible Full-Doc Financing for More Borrower and Investor Scenarios
Min. FICO 600 | Up to 90% LTV | Loan Amounts Up to $3M
- Full-documentation qualification.
- Primary, second home, and investment options.
- Purchase and refinance available.
Portfolio and Blanket Loans
One Loan. Multiple Investment Properties.
Min. FICO 660 | Up to 80% LTV | Loan Amounts Up to $6.25M
- Finance up to 25 properties under one blanket loan.
- DSCR as low as 0.75x at the property level.
- Available for 1–4 unit investment properties with purchase, rate/term, and cash-out options.
2-8 Units Mixed-use financing
Flexible DSCR Financing for Residential + Commercial Properties
Min. FICO 700 | Up to 75% LTV | Loan Amounts from $400K to $2M
- Minimum 1.10 DSCR required.
- Retail, restaurant, and office use allowed.
- Up to 65% LTV on cash-out refinances.
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HomeZero FHA Program
FHA Financing with Flexible Down Payment Assistance
Min. FICO 600 with AUS | Up to 5% DPA | No Income Restrictions
- 3.5%–5% DPA options available.
- Forgivable or repayable second mortgage options.
- No first-time homebuyer requirement.
Fast50 Loan
Streamlined Financing for Investment & Commercial Properties
Up to 50% LTV | Min. Loan $100K | No Ownership Seasoning
- Simple income documentation.
- Foreign investors & ITIN eligible.
- Purchase, refinance & cash-out available.
5/1 Adjustable-Rate Mortgage (ARM)
Lower Initial Rate with a 5-Year Fixed Period
Fixed for 5 Years | 1/1/5 Rate Caps
- Available for FHA & VA financing.
- Rate adjusts annually after Year 5.
- 1/1/5 caps limit potential rate increases.
FHA Elite
Flexible FHA Financing with Competitive Fixed-Rate Options
Min. FICO 640 | Loan Amounts $125K+ | Up to County Loan Limits
- Fixed-rate mortgage options.
- Temporary rate buydowns available.
- SFRs, condos, PUDs & manufactured homes eligible.
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