Unconventional Loans

Break Free From Traditional Lending Limits

Our creative lending solutions bridge the gap for borrowers with non-traditional incomes or credit needs.

Unlocking Homes With Unconventional Loans in Baltimore and the DMV

Getting the right home loan shouldn’t be a struggle, no matter your financial situation. That’s why Fairway The Crane Team offers Baltimore and the DMV families unconventional home loans to provide flexible financing solutions. Whether you’re self-employed, a real estate investor, or navigating a non-traditional income structure, we will guide you toward homeownership. Our creative lending options are designed to meet your needs, opening doors where conventional mortgages fall short, making the loan process simple and accessible for first time buyers and seasoned homeowners.

Explore our innovative loan solutions today and take the next step toward owning the home you’ve always envisioned.

Creative Solutions for Unique Borrowers

Traditional loans don’t work for everyone, but unconventional home loans offer flexible solutions for unique financial situations, making it easier to qualify for a mortgage. Here’s how we help more people achieve their homeowning dream:

Non-Qualified Mortgage (Non-QM)

Designed for borrowers who don’t meet traditional guidelines, non-QM loans use alternative documents, like bank statements, to assess financial capacity, offering flexible options for those with unique income or credit situations.

Bank Statement Loans

Qualify for a loan using 12- or 24-month bank statements instead of tax returns. Lenders analyze cash flow from the statements to determine income eligibility, making these loans ideal for self-employed individuals.

DSCR (Debit Service Coverage Ratio) Loans

Focused on a property’s rental income rather than personal finances, DSCR loans are designed for real estate investors. Our team can determine eligibility for those prioritizing cash flow by comparing rental income to property expenses.

1099 Loans

Gig workers and self-employed individuals benefit from these loans, which use 1099 statements instead of tax returns to calculate income. Based on expense ratios and profit margins, these loans are a tailored option for non-traditional earners.

Asset Utilization Loans

Personal assets can be used to qualify for this kind of loan, even if income requirements aren’t met. Unused assets help fill income gaps, making it easier to meet the qualification criteria.

Derogatory Credit Loans

Borrowers with past financial trouble can use these loans, which offer reduced wait times and seasoning requirements after credit issues, including defaults, bankruptcies, or mortgage lates, helping secure financing sooner.

Ready to Explore Home Financing Options?

Your path to homeownership doesn’t have to end with a traditional mortgage denial. Fairway The Crane Team offers alternative lending options to Baltimore and the DMV residents, no matter their financial situation. We’re here to provide personalized solutions to fit your needs. From overcoming credit challenges to finding unique loan structures, we offer creative financing options to help make homeownership a reality. Take the first step when you schedule a consultation with us today. Our experienced advisors will review your financial picture and guide you toward the right option.

Don’t wait – contact us now and start your journey to owning a home with confidence.

close up of someone signing a loan agreement

Own Your Dream Home

Learn how easy it is to find a new home loan with our experienced team. We are ready to bring your dream of homeownership to life.

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