What Loan Programs Are Available?
NetCORE Lending™ offers 22 mortgage and business loan programs through 100+ wholesale lenders. Whether you are a first-time homebuyer looking for FHA or CalHFA down payment assistance, a veteran eligible for a VA loan with zero down, a real estate investor using DSCR financing, or a small business owner seeking an SBA loan, we match you with the right program at wholesale rates — typically 0.125% to 0.50% lower than retail bank pricing. The borrower pays no out-of-pocket broker fee.
Conventional Mortgages
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
FHA Home Loans
Government-backed loans insured by the Federal Housing Administration. Designed for first-time homebuyers and those with lower credit scores or smaller down payments.
VA Loans
Exclusive mortgage benefit for veterans, active-duty service members, and eligible surviving spouses. Backed by the U.S. Department of Veterans Affairs with no down payment required.
Jumbo Mortgages
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
Mortgage Refinancing
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
Non-QM Loans
Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.
DSCR Loans (Investors)
Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income rather than personal income, making it ideal for portfolio builders.
Construction Loans
Financing for building a new home from the ground up or major renovations. Features progressive disbursements during construction with interest-only payments, converting to a permanent mortgage upon completion.
Hard Money Loans
Short-term asset-based financing for real estate investors. Ideal for fix-and-flip projects, bridge loans, short-term rentals, and ground-up construction with fast funding.
Home Equity Line of Credit (HELOC)
Access your home equity with a flexible revolving line of credit. NetCORE offers HELOCs up to 90% LTV, significantly higher than the typical 65% offered by banks.
Reverse Mortgages
Allows homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments. Ideal for supplementing retirement income while staying in your home.
CalHFA Down Payment Assistance
California Housing Finance Agency programs that provide down payment and closing cost assistance to first-time homebuyers. Includes the MyHome Assistance Program and Zero Interest Program (ZIP).
Foreign National Loans
Mortgage solutions for non-U.S. citizens looking to purchase property in the United States. Competitive rates and terms with no Social Security number required.
Renovation Mortgage 203(k)
FHA-backed loan that finances both the purchase of a home and the cost of renovations in a single mortgage. Ideal for buying fixer-uppers or upgrading your current home.
Fixed-Rate Mortgages
Lock in a consistent interest rate and monthly payment for the entire life of your loan. Available in 15 or 30-year terms, providing long-term payment stability.
SBA 7(a) Loans
The SBA's most common loan program offering up to $5 million for working capital, equipment, real estate, acquisitions, partner buyouts, and debt refinancing.
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets like commercial real estate, heavy equipment, and construction or renovation projects.
SBA Express Loans
Faster SBA financing with loan amounts up to $500,000 and expedited turnaround. Available as term loans or revolving lines of credit for businesses needing quick access to capital.
SBA Microloans
Small loans up to $50,000 for startups and small businesses. Ideal for working capital, inventory, supplies, and equipment. Often paired with business training and technical assistance.
Medical Professional Loans
Specialized mortgage loans for licensed medical professionals offering up to 100% financing with no mortgage insurance. Ideal for doctors, dentists, pharmacists, and other qualifying medical practitioners.
Bridge Loans (Buy First, Sell Later)
Buy your next California home before selling your current one with a bridge loan from NetCORE Lending™. Close in 3-5 days, avoid contingent offers, skip temporary housing, and sell your old home on your own timeline. Available up to $5M+ with no prepayment penalties.
All-Cash Offer Loans
Make an all-cash offer on a California home — even without the cash on hand. Close in as fast as 3 days, waive financing contingencies, and win bidding wars. NetCORE Lending™ provides short-term bridge financing so you can buy like a cash buyer, then refinance into a permanent 30-year mortgage.
How Do These Loan Programs Compare?
Side-by-side comparison of the most popular mortgage programs to help you find the best fit.
| Loan Type | Min. Credit Score | Min. Down Payment | Best For |
|---|---|---|---|
| Conventional | 620 | 3% | Buyers with good credit & savings |
| FHA | 580 | 3.5% | First-time buyers, lower credit scores |
| VA | 580* | 0% | Veterans & active military |
| Jumbo | 700 | 10% | Homes above $1,209,750 (CA high-cost) |
| Non-QM / Bank Statement | 500+ | 10% | Self-employed, non-traditional income |
| DSCR | 620 | 20% | Real estate investors (rental income) |
| CalHFA | 660 | 0–3.5% | First-time buyers needing down payment help |
| Medical Professional | 680 | 0% | Doctors, dentists, pharmacists (no PMI) |
| Bridge Loan | 680 | Equity | Buy next home before selling current |
| SBA 7(a) | 680 | 10% | Small business owners (up to $5M) |
*VA has no official minimum; most lenders require 580–620. All figures are general guidelines — your loan officer will confirm exact requirements.
Not Sure Which Loan Is Right for You?
Compare loan products side by side to find the best fit for your financial situation and goals.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend.