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Canadian Snowbird Mortgages for Florida Winter Homes
A Canadian snowbird mortgage lets you finance a Florida second home in U.S. dollars using your Canadian income and savings — no U.S. credit score or Social Security number needed.
Canadians can finance a Florida winter home with a U.S. foreign national mortgage. Your Canadian credit history does not transfer, so the loan is underwritten without a U.S. score, using your Canadian income and savings. Leverage reaches 75% of value on loans up to $1.5 million, 12 months of reserves are required. Second homes carry no prepayment penalty.
- ✓Your Canadian credit score does not carry over — the loan is approved without a U.S. score.
- ✓Up to 75% loan-to-value on a Florida second home up to $1.5M.
- ✓Canadian pay stubs, T4s and tax returns work; English documents need no translation.
- ✓Funds at a Canadian bank with a U.S. presence count once seasoned 60 days.
Pricing snapshot
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Pricing for Canadian Snowbird Investment Property Loans — Today's Options at a Glance
Four real options from today's wholesale pricing for one documented sample scenario per program — no form needed. Updated twice each business day, about 10 AM and 2 PM Eastern. Your own rate depends on your credit, down payment, property, state and lock date.
Live pricing tool
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Live Pricing for Canadian Snowbird Investment Property Loans
Enter your scenario to see live wholesale pricing for Florida and Colorado. Figures are illustrative and not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate.
DSCR investor loan pricing tool
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Business-purpose investment property pricing qualified on rental income (DSCR). Every figure shown comes from our pricing provider for the scenario you enter — nothing is estimated.
Pricing shown is based on the scenario entered and wholesale pricing available at the time of the search. It is not a rate lock, loan approval, commitment to lend, or guarantee of terms. Rates and pricing change frequently and expire. Your actual rate, APR, payment, and costs depend on a complete application, verified credit and income, property and appraisal review, and lender underwriting approval. Binding figures appear on your Loan Estimate. Payment shown is principal and interest only and excludes taxes, insurance and mortgage insurance. DSCR loans are business-purpose loans for investment property only. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
Get your personalized scenario summary
Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: estimated payment breakdown, estimated cash to close, the loan structures that fit your file, and what documentation the file will need.
- Estimated monthly payment with taxes and insurance
- Estimated cash to close for your scenario
- Loan options your profile may fit
- Document checklist for your file
Takes about 3 minutes · Summary shown on screen and emailed to you
Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.
Scenario summary
- Purchase price entered
- $412,000
- Down payment entered
- $20,600
- Estimated loan amount
- $391,400
- Estimated cash to close
- $14,300
- Programs reviewed
- 4
Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Can a Canadian get a mortgage in Florida?
Yes. A Canadian who lives in Canada and wants a Florida condo or house for the winter can finance it with a U.S. foreign national mortgage on a second home. Canadian banks generally will not lend against U.S. property, and U.S. banks cannot see your Canadian credit file, so this program exists for exactly that gap: it approves you without a U.S. score and looks at your Canadian income, your savings and the property.
A second-home loan is a consumer mortgage. Simply Approved Mortgages arranges it for Florida properties (and Colorado, for ski-season buyers). The full program rules live on our foreign national loans page; this guide covers what is different when you are Canadian.
What changes for Canadian buyers
Your credit score starts from zero
Equifax Canada and TransUnion Canada scores do not cross the border. That is less of a problem than it sounds: on this program a borrower with no U.S. score reaches the same 75% top tier as someone with a 680+ U.S. score, on loans up to $1.5 million. If you have built U.S. credit through a cross-border card, you can use it, but you do not have to.
Your paperwork is already in English
The program asks for foreign income documents translated into English. For most Canadians that step disappears. Employees provide recent pay stubs, T4 slips and tax returns (or a written employment letter), and the employer is called within 10 days of closing. Self-employed and incorporated owners provide the latest return with a profit and loss statement, or a letter from their accountant (CPA) with a copy of the accountant's licence. Pension and investment income is documented the same way, through your return or an accountant's letter. The maximum debt-to-income ratio is 50%.
Where your down payment sits matters
Money in a Canadian account is usable if the institution has a U.S. presence — which covers most large Canadian banks that operate U.S. subsidiaries — with at least two months of statements, converted to U.S. dollars and seasoned for 60 days. RRSPs, TFSAs, Canadian stocks and mutual funds cannot be counted, so plan the sale or transfer of anything you need at least two months before you apply. U.S.-dollar accounts at a U.S. bank are the simplest route.
Gifts from family work
Adult children or other relatives can gift part of the down payment and closing costs, with no minimum of your own funds required.
How much you can borrow for a Florida winter home
| Loan amount | Purchase or rate-and-term | Cash-out refinance |
|---|---|---|
| Up to $1,500,000 | 75% | 70% |
| $2,000,000 | 70% | 65% |
| $2,500,000 | 65% | 55% |
| $3,000,000 | 60% | 50% |
You also need 12 months of reserves after closing. The minimum loan is $125,000, and second homes carry no prepayment penalty, so you can pay the loan down when the exchange rate favours you.
Want these numbers built around your file?
A short request is all it takes to get a written scenario summary back from a Simply Approved Mortgages Loan Officer. Binding figures appear on your Loan Estimate.
Florida-specific points snowbirds should plan for
- Condos: Florida's post-Surfside condo safety law requires milestone inspections and fully funded structural reserves in many older buildings. Warrantable and eligible non-warrantable condos are accepted, but a building with unfunded reserves or a pending special assessment can slow or stop approval. Ask for the association's reserve study early.
- Insurance: wind and flood coverage is part of the monthly payment used to qualify you. Coastal premiums vary widely, so get a quote before you make an offer.
- Homestead exemption: Florida's homestead property-tax exemption is for permanent residents, so a Canadian second home is taxed without it.
- Stay limits: U.S. immigration rules and Canadian provincial health coverage both cap how long you can be away. Neither affects the loan, but a winter home is not a primary residence under this program.
- Renting it out: if you plan to rent the home long-term while you are in Canada, it may be better structured as an investment loan, which can qualify on the rent. Talk that through before you apply.
Taxes to know before you buy
If you ever sell, the IRS's FIRPTA rules generally require withholding of 15% of the gross sale price from a foreign seller unless a reduced-withholding certificate is obtained. Rental income from U.S. property is reported on a U.S. nonresident return, and Canada taxes worldwide income with credit for U.S. tax paid. U.S. estate tax can also apply to U.S. property owned by Canadians. A cross-border tax adviser should review your plan; we do not give tax advice.
The process, step by step
- Talk with a Simply Approved Mortgages Loan Officer about the price range, occupancy and where your funds are held.
- Move or season funds so they have sat 60 days in an eligible account.
- Send your passport, income documents and two months of statements.
- Make an offer, order the appraisal and, for a condo, the association documents.
- Close, often remotely with a notary, and wire funds from the account shown on your application.
Guidelines summarized from a current foreign national program we can place, dated June 2026, and subject to change and lender underwriting and approval. Rates and fees anywhere on this site are illustrative and not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate.
Key qualifying numbers
Foreign National loan — max LTV, credit score & DTI at a glance
The four numbers most borrowers ask about first. Full underwriting matrix and citations are further down the page.
Max LTV
75%
Purchase or rate-and-term up to $1.5M with a 680+ score or no score; steps down as the loan grows. Cash-out tops out at 70%.
Min credit score
Not required
No U.S. score needed; an attempt to pull credit is documented. A 660–679 score qualifies at lower leverage.
DTI / DSCR
50% or DSCR 1.00
Full-doc files use foreign income up to a 50% DTI; investment files can qualify on rent alone at a 1.00 DSCR.
Reserves
12 months
Plus 6 more months if a bankruptcy, foreclosure or short sale is within 4 years.
Qualifications & requirements
Canadian Snowbird Mortgage qualifications: what you actually need to qualify
| Requirement | Typical standard | Notes |
|---|---|---|
| Credit | No U.S. score required | Canadian scores do not transfer; the no-score tier reaches 75% LTV. |
| Max LTV | Up to 75% | Second home up to $1.5M; lower on larger loans and on cash-out. |
| Reserves | 12 months | Plus 6 months if a bankruptcy, foreclosure or short sale is within 4 years. |
| Income | Canadian docs, 50% DTI | Pay stubs, T4s, tax returns or an accountant letter. |
| Funds | Seasoned 60 days | Canadian accounts at a bank with a U.S. presence; RRSP/TFSA not usable. |
| Occupancy | Second home | Florida or Colorado. Not a primary residence. |
| Prepayment | None | No prepayment penalty on second homes. |
Summarized from a current foreign national program guideline (June 2026). Subject to change and lender underwriting and approval.
What you can do with this loan
Buy a Gulf Coast condo for the winter months.
Purchase a canal-front house in Southwest Florida.
Refinance a Florida home you bought with cash.
Buy with help from a family gift.
Upgrade from a rented winter place to one you own.
Buy a Colorado ski-season home.
Pros & cons — honest tradeoffs
Pros — Pros & cons
- +No U.S. credit score or SSN needed.
- +Canadian documents are already in English.
- +Family gifts allowed with no minimum of your own funds.
- +No prepayment penalty on a second home.
Cons / watch-outs — Pros & cons
- −RRSP, TFSA and Canadian investment accounts cannot be counted.
- −12 months of reserves required.
- −Florida condo reserve rules can limit which buildings qualify.
- −FIRPTA withholding applies when you sell.
Compare loan officer compensation on your mortgage quote
Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.
Compensation difference on this illustration: $3,750.
How lower compensation can help you
When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.
Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.
A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.
As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.
Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.
Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.
Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Purchase market update
What buyers should know this month
30-Yr Fixed · national avg
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15-Yr Fixed · national avg
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2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
No U.S. score needed
Canadian credit does not transfer — and does not have to.
Up to 75% LTV
On Florida second homes up to $1.5M.
No prepayment penalty
Pay down when the loonie is strong.
Document Checklist for Canadian Snowbird Mortgage
Gathering these documents up front helps your Simply Approved Mortgages Loan Officer issue a stronger pre-approval and move Canadian Snowbird Mortgage to Clear-to-Close faster. Actual items required vary by scenario — your loan officer will confirm the final list.
Foreign National Identity & Residency
- ✓Valid unexpired foreign passport (all pages with entries/stamps)
- ✓U.S. visa (B-1/B-2, E-2, L-1, etc.) OR documentation of visa-waiver status — DACA and TN varies by investor
- ✓I-94 arrival/departure record (if available)
- ✓Foreign-country government-issued ID or driver's license
- ✓Proof of foreign residence (utility bill, lease, or bank statement)
Income & Employment (No U.S. Tax Returns Required)
- ✓Employer letter on company letterhead stating position, tenure, and compensation (translated to English and converted to USD)
- ✓Most recent 2 years of foreign tax returns OR foreign-CPA equivalent letter
- ✓3–12 months of foreign bank statements showing income deposits
- ✓Self-employed: business license, ownership documentation, and CPA-equivalent letter
- ✓DSCR option: qualify on property rental cash flow instead of personal income
Assets & Funds to Close
- ✓2–3 months of statements from a U.S. bank account (funds must be seasoned in the U.S. before closing, typically 30–60 days)
- ✓Wire records showing the source of any funds transferred into the U.S.
- ✓Reserves — foreign national programs typically require 6–12 months of PITIA in U.S. accounts
- ✓Source-of-wealth letter for large asset balances
Credit
- ✓U.S. credit report if a valid Social Security number or ITIN exists
- ✓International credit report (Nova, Equifax Global, or CIC) OR three alternative-credit references with 12+ months of history
- ✓Written credit authorization
Property & Purchase
- ✓Fully executed purchase contract with all addenda
- ✓Earnest money deposit receipt + source of funds
- ✓Homeowners insurance quote (binder before closing)
- ✓HOA / condo questionnaire and dues statement (if applicable)
Educational checklist only. Not a commitment to lend and not a complete list of conditions. Documentation requirements are governed by agency guidelines (Fannie Mae Selling Guide, FHA Handbook 4000.1 incl. Update 18 (August 12, 2026), VA Lender's Handbook, USDA HB-1-3555) and individual investor overlays. Your Simply Approved Mortgages Loan Officer will provide your specific document list based on your scenario.
Credit Reports and Credit Monitoring for Canadian Snowbird Mortgage
Credit is one of the four underwriting buckets every lender reviews — and one of the few you can actively improve before you apply. Monitoring your credit throughout the process helps you catch errors, fraud, and score changes early, which protects your approval timeline and your rate.
Ordering Credit for Your Pre-Approval File
Once you sign your loan application (Form 1003) and disclosures, your Simply Approved Mortgages Loan Officer orders a tri-merge residential mortgage credit report (RMCR) from Equifax, Experian, and TransUnion. This is a hard inquiry, but FICO's model treats mortgage inquiries within a 45-day window as a single event, so shopping lenders during that window will not stack on your score.
- What we need from you: signed borrower authorization, government-issued photo ID, Social Security number (or ITIN), and current address.
- What the report shows underwriters: middle FICO score, open tradelines, minimum payments, late history, collections, public records, and recent inquiries.
- How long it's valid: 120 days for conventional loans and for FHA/VA/USDA (HUD guidelines, VA Lender's Handbook Ch. 4). Older reports must be re-pulled before closing.
- Rapid rescore: if a legitimate error is on your report, we can request a rapid rescore in 3–7 business days after you supply documentation from the creditor.
This link redirects to our third-party credit vendor's payment portal. You pay the report fee directly so we can pull your tri-merge credit report for your pre-approval file. A credit pull is required for underwriting; this is not a commitment to lend.
Review and Monitor Your Credit at MyITINCredit.com
Before we pull your file, review and monitor your credit at MyITINCredit.com. Their $1 promotional trial gives you tri-bureau visibility plus ongoing credit monitoring so you can catch changes, disputes, or new accounts as they appear — not after they've already delayed your loan.
- Verify accuracy: confirm names, addresses, SSN/ITIN, and every open account belong to you.
- Dispute errors: the Fair Credit Reporting Act gives you the right to dispute inaccurate items directly with the bureau — no charge.
- Address collections and charge-offs: a settled or paid collection can be documented in advance so it does not stall underwriting.
- Pay down utilization: credit-card balances reported below 30% of the limit typically produce the strongest scores.
- Avoid new credit: do not open new cards, finance a car, or co-sign for anyone from now through closing.
- Monitor continuously: credit monitoring alerts you to new inquiries, balance changes, and potential identity theft while your loan is in process.
MyITINCredit.com is a service operated by Simply Approved Corporation (a DBA of that entity), which is the parent company of Simply Approved Mortgages LLC. Simply Approved Mortgages may receive subscription revenue if you choose to enroll. Credit monitoring through MyITINCredit.com is optional and is not required to apply for or obtain a mortgage with us. Promotional pricing, trial terms, and monitoring features are set by MyITINCredit.com and subject to change.
Why credit monitoring matters during a mortgage — A single new collection, missed payment, or unauthorized inquiry can change your qualifying score or trigger additional underwriting conditions. Typical minimum scores* — Conventional 620, FHA 580 (3.5% down) or 500 (10% down), VA no HUD minimum (most lenders 580–620), USDA typically 640, Jumbo 680–740, Doctor Mortgage 680–700+, Non-QM/DSCR varies by program, ITIN 620–680 alternative credit. Investor and lender overlays apply; individual results vary. Not a commitment to lend.
Cost and payment tools
Run your payment, affordability, closing cost and refinance numbers
Monthly payment, affordability, closing costs, refinance break-even and early payoff, all on one screen. This page is not written for one state, so property tax, insurance and transfer or recording charges start at neutral placeholder assumptions rather than published averages — Transfer, documentary-stamp and recording charges are set by your state and county — enter your own figure, or open the state page for a sourced seed. Insurance and tax assumptions vary widely by state, county and property, so replace these starting values with quotes for your address. Every figure is an illustrative estimate, not a quote, lock, offer, approval, or commitment to lend.
Your inputs
Estimated result
- Down payment
- $20,000
- Loan amount
- $380,000
- Principal & interest
- $2,402
- Property tax
- $333/mo
- Homeowners insurance
- $167/mo
- Estimated total monthly
- $2,902/mo
Reference sources: Tax Foundation — property taxes paid as a percentage of owner-occupied housing value, NAIC — Homeowners Insurance Report, CFPB — Understanding your Loan Estimate.
Assumptions, methodology, and limitations
Principal and interest use the standard amortization formula on the loan amount you enter. This page does not target a single state, so the property tax and insurance fields start at neutral placeholder assumptions rather than published averages — replace them with figures for your own address, or open the matching state page for sourced seeds. Closing costs apply your state's transfer / documentary-stamp practice (0.00% of price used as the buyer-side seed) plus typical title, recording, appraisal, credit and prepaid escrow lines. Refinance break-even divides your entered costs by the monthly payment difference. Early payoff runs a month-by-month amortization with your extra principal.
These tools do not include mortgage insurance, funding or guarantee fees, HOA special assessments, flood or windstorm premiums, seller credits, lender credits, discount points, or county and municipal charges specific to your parcel. Statewide averages will not match any individual property. Figures are estimates only.
Illustrative only. Binding figures appear on your Loan Estimate, and terms vary by borrower, property, lender, program, and state.
Turn these estimates into real numbers
Send your scenario to a Simply Approved Mortgages Loan Officer and get a written summary back, or compare where rates sit today. Educational only — not a quote, lock, offer, approval, or commitment to lend.
Canadian Snowbird Mortgage Questions
Answers to the most common canadian snowbird mortgage questions, written by licensed loan officers.
Ask SAM anything about mortgages
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
How this page connects
Where this fits in the mortgage library library
This page sits inside our Mortgage library coverage.
What most readers open next
- Every loan program we arrangeBecause to see which program this topic applies to.
- The loan program comparisonBecause to place this topic against the alternatives.
- How underwriting reviews a fileBecause the standard most rules serve.
- The payment calculatorBecause to turn the rules into a monthly figure.
- Getting pre-approvedBecause the next step once the reading is done.
Explore the full guide
Keep reading — the rest of the buying playbook
Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.
Guide
Foreign national loans
Full program rules and LTV tables.
Read the guide →Guide
Buying a second home
Vacation-home financing basics.
Read the guide →Guide
DSCR loans
If you plan to rent the property.
Read the guide →Guide
Jumbo loans
Higher-priced Florida homes.
Read the guide →Guide
Document checklist
What to gather before applying.
Read the guide →Internal library
Related mortgage guides across our library
Follow the next relevant guide for your scenario.
Purchase mortgages
Buying a home
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Complete this short request and a Simply Approved Mortgages Loan Officer will personally review your scenario. The form only asks what your program actually needs. Submitting it is not an application for credit and is not a commitment to lend.
What are you looking to do?
Pick one — the form adapts.Pick a loan type
Programs for buying a home.Conventional loan — 3–20% down · 620+ FICO
Tell us about your scenario
The form below is tailored to Conventional loan — only the questions and documents your program needs.
Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.
Purchase price and down payment help us size the conforming loan.
A range is enough here — no credit report is pulled and your credit is not affected.
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Submitting this form is not an application for credit and is not a commitment to lend. No credit report is pulled at this step.
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Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement. Applicable loan terms and disclosures will be provided as required for the particular transaction.
Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.
Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.
Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.
Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.
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