Loan Programs
Entrust Home Lending originates programs for almost every kind of borrower — first-time buyers, self-employed borrowers, foreign nationals, and real estate investors alike.
Home Loans
FHA Loans
Government-backed financing built for buyers with limited down payment savings or a credit history that doesn't fit a conventional box — including flexible credit-score guidelines and 100% financing programs.
Conventional Loans
Financing not backed by a government agency — usually means fewer overlays, more flexible property types, and no upfront mortgage insurance premium for buyers with stronger credit.
VA Loans
Zero-down financing for eligible active-duty service members, veterans, and surviving spouses, with no monthly mortgage insurance.
USDA Loans
Zero-down financing for eligible buyers purchasing in designated rural and suburban areas, with income limits based on household size and county.
Jumbo Loans
Financing above conventional loan limits for higher-value home purchases, with underwriting built around larger loan amounts.
Down Payment Assistance
Grant and bond programs that can cover part or all of your down payment and closing costs, often paired with FHA or conventional financing.
Alternative Income
Bank Statement Loans
Qualify using personal or business bank statements instead of tax returns — built for self-employed borrowers whose tax returns don't reflect their real cash flow.
ITIN Loans
Home financing for borrowers who file taxes with an ITIN rather than a Social Security number.
DSCR Loans
Qualify investment property financing off the property's rental income, not your personal income — no tax returns or employment verification required.
Foreign National Loans
Financing for non-U.S.-citizen buyers purchasing investment property in the United States, without a U.S. credit history or Social Security number.
Non-QM Loans
Flexible underwriting for borrowers whose income or credit profile doesn't fit a standard conventional file — the umbrella category covering bank statement, DSCR, ITIN, and foreign national programs.
Doctor Loans
Physician and dentist loan programs built around how early-career medical professionals actually look on paper — high student debt, a short employment history, and strong future income that a standard underwriting box doesn't always account for.
Investor & Commercial
Hard Money Loans
Fast, asset-based financing for investors who need to close quickly on a deal — underwritten primarily on the property, not your personal income.
Fix & Flip Loans
Short-term financing for investors buying and rehabbing distressed residential property, with draws released as renovation work is completed.
New Construction Loans
Financing for ground-up residential construction projects, with funds released in draws tied to construction milestones.
Land Loans
Financing for the purchase of raw or unimproved land, ahead of construction or as a standalone investment.
Commercial Loans
Conventional financing for commercial real estate purchases, refinances, and acquisitions.
Commercial DSCR Loans
Income-based commercial financing qualified off the property's cash flow rather than extensive business financial documentation.
Refinance & Equity
Refinance
Lower your rate or change your loan term on an existing mortgage, without taking cash out.
Cash-Out Refinance
Refinance your mortgage and take out equity as cash at closing, rolled into a single new loan.
HELOC
A revolving home equity line of credit you can draw against as needed, without refinancing your existing mortgage.
FHA 100% Financing and flexible-credit FHA options are covered within our core FHA Loans program above. Don't see the detail you need? Justask us directly.
Not Sure Which Program Fits?
Tell us your situation and we'll point you to the right one.
