Traditional
Conventional Loans
Purchase and refinance financing under conventional guidelines for qualified borrowers.
Explore conventional mortgages in NJ →New Jersey mortgage loan options
Traditional mortgage programs—and options for borrowers who need a more specialized approach.
U.S. Home Capital evaluates conventional and government financing as well as eligible specialty programs for self-employed borrowers, investors, unusual properties and mortgage files that may not fit standard agency guidelines.
Specialty & complex mortgage financing
When standard underwriting does not tell the whole story.
Some borrowers or properties require a different program, different documentation, or simply more careful analysis.
Self-Employed Alternative Documentation
For eligible self-employed borrowers whose qualifying income may be evaluated using bank statements, profit-and-loss statements or other approved alternative documentation.
Self-employed mortgage options in NJ →Investor DSCR Loans
Investment-property financing where qualification may be based primarily on the property's rental income and debt-service coverage rather than personal income.
DSCR loans in New Jersey →Investment Property Financing
Compare conventional investor financing with eligible DSCR and refinance structures for New Jersey rental properties.
Investment property loans in NJ →Unique or Difficult Properties
Financing for select properties with unusual characteristics, acreage, construction, use, project eligibility or other features outside standard guidelines.
Unique property mortgage options →Previously Denied Mortgage Files
A prior denial may stem from income calculations, debt ratios, documentation, property eligibility, credit or program rules. A second review can help identify the actual issue and whether another legitimate path exists.
What to do after a mortgage denial →Complex Income & Credit Profiles
Multiple businesses, commission or variable income, recent employment changes, significant tax deductions, high debt ratios or prior credit events may require a more detailed review.
See difficult-loan scenarios →Important: Program descriptions are general information only. Availability, eligibility, documentation, underwriting standards, loan limits, pricing and terms are subject to applicable investor, agency and lender requirements. No program or lender can guarantee approval.
Were you denied—or simply unsure you qualify?
Start by understanding the reason. U.S. Home Capital can review the facts and explain whether another program, documentation method or next step may be worth considering.