Real Estate Financing

Nation Capital provides flexible, fast, and reliable financing solutions to help your business thrive. From expanding operations to managing cash flow, our tailored products support businesses across industries with the capital they need to succeed.

Our Real Estate Financing Solutions

Conventional Loans

Conventional loans offer flexible financing for home purchases or refinances in New York, tailored to various property types.

620+ FICO score required

Up to 97% LTV for purchase/rate-term refinances

Terms of 8, 7, 10, 20, or 30 years

Available for manufactured homes, co-ops, condos, and PUDs

Conventional Cash-Out 90

Conventional Cash-Out 90 provides high-LTV refinancing without mortgage insurance for primary residences.

680+ FICO score required

Up to 90% LTV, up to conforming loan limits

30-year fixed term only

Max DTI up to 50% per DU/LPA

FHA Loans

FHA Loans make homeownership accessible for borrowers who may not qualify for conventional financing.

580+ FICO up to 97.75% LTV

Available for purchase, rate/term, and cash-out refinances

Supports single- and multi-wide manufactured homes

Jumbo loans from $1 over conforming limit to FHA maximum

Bank Statement Loans

Bank Statement loans qualify self-employed borrowers using bank statements instead of traditional income verification.

600+ FICO up to 90% LTV

Primary, second homes, and investment properties eligible

12- or 24-month personal/business bank statements accepted

Loan amounts up to $20M with flexible DTI options

HELOC

A Home Equity Line of Credit (HELOC) offers flexible access to home equity for primary or second homes.

680+ FICO up to 89.99% CLTV

Primary and second homes eligible

Loan amounts from $10K to $25M

Interest-only payments with 10-year draw period

Hard Money Loans

Hard Money Loans provide fast, flexible financing for real estate investors tackling short-term projects.

Up to 75% of purchase price

Rates from 8.00%, terms of 12-24 months

$50K-$150M+ loan options

Funding in as little as 2 weeks

Fix & Flip Loans

Fix and Flip Loans fuel renovation projects with high-LTV financing and full rehab cost coverage.

Up to 93% LTC, 100% rehab costs

Rates from 8.00%, 12-24 month terms

$50K-$150M+ loan options

Funding in as little as 2 weeks

Non-Qualified Mortgages (NonQM)

NonQM loans offer flexible financing for self-employed investors using alternative qualification methods.

Qualify with bank statements, asset depletion, or profit/loss

For owner-occupied, second homes, and investment properties

Loan amounts from $200K to $10M

Interest-only payment options available

Ready. Set. Grow.

Let Nation Capital help you unlock your potential. Apply now to explore financing solutions designed for your success.

Apply now