Residential Loan Programs

FHA Loans

Ideal for First-Time Homebuyers

FHA loans are backed by the Federal Housing Administration and are designed to make homeownership accessible to more people. We accept both FICO and VantageScore credit scoring models. Minimum 580 credit score for 3.5% down payment.

• —Minimum 3.5% down payment with 580+ credit score
• —Credit scores as low as 500 with 10% down
• —Accepts both FICO and VantageScore scoring models
• —Government-backed — flexible qualification requirements
• —Competitive interest rates
• —Streamline refinance options available

Conventional Loans

Competitive Rates for Qualified Buyers

Conventional loans offer competitive interest rates for buyers with strong credit profiles. Available in both conforming and jumbo amounts with flexible term options.

Chadash Lending Group accepts both FICO and VantageScore credit scoring models for conventional loan qualification. Whether your lender uses FICO 2, 4, or 5, or VantageScore 3.0 or 4.0, we work with your actual credit profile to find the best solution available.

• —Available in conforming and jumbo amounts
• —Flexible loan terms: 10, 15, 20, 30 years
• —Accepts both FICO and VantageScore scoring models
• —No upfront mortgage insurance premium
• —PMI removable once 20% equity reached
• —Primary, secondary, and investment property eligible

VA Loans

Honoring Those Who Served

VA loans are a powerful benefit earned by eligible veterans, active-duty service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, VA loans offer zero down payment, no private mortgage insurance, and competitive rates.

• —Zero down payment required
• —No private mortgage insurance (PMI)
• —Competitive interest rates
• —Flexible credit requirements
• —Available for primary residences
• —Streamline (IRRRL) refinance options available

USDA Loans

100% Financing for Rural and Suburban Homes

USDA loans offer 100% financing for eligible properties in rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans require no down payment and are designed for low-to-moderate income borrowers purchasing in eligible locations.

• —No down payment required
• —Competitive interest rates
• —Low mortgage insurance rates
• —Property must be in USDA-eligible area
• —Income limits apply by county

Down Payment Assistance Programs

Saving for a down payment is often the biggest barrier to homeownership. Chadash Lending Group connects qualified borrowers with down payment assistance programs that can cover part or all of the required down payment.

Available For

FHA Loans and Conventional Loans

How It Works

Down payment assistance comes in several forms:

• —Grants: Free money that does not need to be repaid
• —Forgivable Second Loans: Forgiven after a set number of years
• —Deferred Payment Loans: No payments until you sell or refinance
• —Matched Savings Programs: Dollar-for-dollar matches on savings

Qualification Factors

• —First-time homebuyer status (varies by program)
• —Household income limits (vary by county and program)
• —Property location and purchase price limits
• —Homebuyer education course completion
• —Minimum credit score requirements

Second Mortgages, HELOCs & HELOANs

Leverage your existing home equity with flexible second lien products. Whether you need a lump sum, a revolving credit line, or a standalone second mortgage, we have the right product for your situation.

DSCR Loans (1-4 Units)

Debt Service Coverage Ratio loans for real estate investors who want to qualify based on rental income rather than personal income. No tax returns or W-2s required.

• —1 to 4 residential investment units
• —Qualify based on property cash flow, not personal income
• —No personal income verification required
• —No tax returns, W-2s, or pay stubs needed
• —Short-term and long-term rental income accepted including Airbnb and VRBO
• —Available for purchase and refinance

Who This Is For

Real estate investors.

Non-Qualified Mortgages (Non-QM)

Alternative Income Documentation Loans

Not everyone fits the traditional mortgage mold. Our Non-QM loan programs are designed for self-employed borrowers, entrepreneurs, investors, and anyone with non-traditional income documentation.

Reverse Mortgages

Turn Home Equity Into Income — No Monthly Payments

Designed for homeowners 62 and older, a reverse mortgage allows you to convert your home equity into tax-free income with no monthly mortgage payments required. You continue to own and live in your home. The loan is repaid when the home is sold or the last borrower leaves.

• —Available for homeowners 62 and older
• —No monthly mortgage payments required
• —Tax-free proceeds (consult your tax advisor)
• —Continue living in and owning your home
• —Loan repaid when home is sold or vacated
• —FHA-insured HECM programs available

Foreign National & ITIN Loans

Chadash Lending Group welcomes foreign national borrowers and individuals who use an Individual Taxpayer Identification Number in place of a Social Security Number.

Foreign National Loans

For non-US citizens purchasing or refinancing US real estate.

• —No US credit history required
• —Available for residential and commercial properties
• —Typically requires 20-30% down payment
• —Asset documentation and international bank statements accepted

ITIN Loans

For individuals using an Individual Taxpayer Identification Number.

• —Accepts ITIN in place of SSN on all loan documentation
• —Primary residence and investment properties
• —Build US credit and homeownership history