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Loan Programs

The following is a partial list of programs offered by Finance USA Corporation with a brief description of the key elements of each. For a complete list of the programs that we offer, please contact us at 703-941-4022.

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Refinance Loans

Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you.

FHA Loans

It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.

USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.

24 Month Bank Statement Loan Non-Prime

2nd Home, Investment or Commercial Property
for further details on this loan please contact us.

  • 2nd Home and/or Investment Properties only - not for Primary Residence.

Flexible Terms for Conventional Loans

The program is available on all Conventional loans. Borrowers can select their repayment terms.

  • Terms ranging from 8 to 30 years.

  • Loan can be paid off in less time.

  • Refinance without resetting the mortgage clock.

  • No additional cost!

For more information please contact us.

Interest Only Loan

Put more money in your pocket each month! An Interest Only loan will save you hundreds of dollars on your monthly payments. Product highlights are:

  • Loan amounts from $250,000 to $2,000,000.

  • 5/1 Adjustable Rate Mortgage*.

  • 720+ FICO.

  • Deferred principal for the initial 10 year interest only period.

For further information, please contact us.

Investor Edge

Investor Edge is for borrowers looking to purchase or refinance non-owner occupied properties, with no personal income verification. Below are the guidelines for this loan product.

  • Unlimited number of financed properties.

  • Approval based on cash flow of property.

  • Loan amounts from $75,000 to $1,000,000.

  • Verification of employment history only.

  • 720+ FICO

For more details on this loan, please contact us.

Jumbo Loan Big & Easy

The enhanced features on this jumbo loan are set to accommodate more borrowers. Listed below are the guidelines.

  • Loan amounts up to $3,000,000.

  • No monthly Private Mortgage Insurance.

  • Fixed-rate and adjustable rate mortgage options available.

  • 700+ FICO.

Please contact us for more information on this loan.

Elite Program Loan

This program is for our top-tiered borrowers, with excellent credit. Below are the exclusive features and guidelines that are only available with this loan program.

  • 760+ FICO.

  • $250,000+ loan amount.

  • $417,001+ loan amount for Prime High Balance.

  • Property inspections waivers honored.

  • Fixed and adjustable rate mortgage available.

  • Please contact us for further details on this program.

    Stated Income Loan

    A cost effective Stated Income loan for Self-Employed borrowers and Wage Earners too. Below are the highlights and guidelines.

    • Loan amounts from $75,000 to $5,000,000.

    • No income/employemnt verification.

    • No 4506 or CPA letter.

    • 650+ FICO

    • 30 year loan.

    • Can refinance up to 10 properties.

    • No cash out restrictions.

    • Residential non-owner occupied, investment and commercial properties.

    Please contact us for more details on this loan program.