Our Loan Products

At The Lighthouse Lending Group Inc., we offer a comprehensive loan product platform designed to serve a wide variety of borrowers and financial goals. Whether you're buying your first home, investing in real estate, or looking for flexible financing options, our diverse loan programs provide the right solution for your unique situation. Whatever your lending needs, our team is here to guide you through the process and help you find the right program to achieve your financial goals. Contact us today to learn more or get pre-qualified.

Conventional Loans

Ideal for well-qualified borrowers with strong credit and stable income. Fixed or adjustable interest rates are available. Minimum down payment is 3%-5% depending on qualification. Minimum FICO requirements.

FHA Loans

Government-backed loans with low down payment options, perfect for first-time homebuyers. This loan program offers borrowers ability to put as little as 3.5% down with debt-to-income ratios up to 56% and FICOs as low as 550.

VA Loans

VA loans makes home buying affordable for our veterans who have bravely served. Exclusively available for veterans, active service members of the armed forces, national guard members, reservists, active-duty personnel, and surviving spouses.

Jumbo Loans

Designed for high-value properties that exceed conventional loan limits. Various terms are available including fixed-rate and adjustable-rate loans.

Alternative Documentation (Alt-Doc) Loans

Flexible solutions for self-employed or non-traditional borrowers with non-standard income documentation. Types of loan programs include:

Bank Statement Loans
1099 Loans
DSCR (Investor Cash Flow) Loan
Asset Qualifier Loan

Hard Money Loans

Asset-based financing for real estate investors and short-term projects, offering speed and flexibility.

Home Equity Conversion Mortgages (HECM)

Commonly known as a reverse mortgages which is available for homeowners aged 62 and older.

This Federal Housing Administration insured loan allows seniors to tap into their sufficient home equity.

HECM Refinance
HECM Purchase

Commercial Loans

Financing for multi-family, mixed-use, office, retail, and other income-producing properties.

Construction & Renovation Loans:
Build or Transform Your Dream Home

At The Lighthouse Lending Group, Inc, we offer specialized loan programs that support both new home construction and renovation projects. Whether you’re starting from the ground up or breathing new life into an existing property, we have flexible solutions to fund your vision.

New Home Construction Loans

Our New Home Construction Loans provide financing throughout the building process and can be tailored for individual homebuyers, custom builders, or owner-builders. These loans typically offer:

One-Time or Two-Time Close Options - Choose between a single-close loan that automatically converts to a permanent mortgage upon completion, or a two-time close loan with separate construction and permanent financing.
Interest-Only During Construction - Pay interest only on the funds disbursed during construction, helping manage cash flow while building.
Flexible Draw Schedules - Funds are released in stages (draws) based on construction milestones and progress inspections.
Lot Financing Options - Bundle land and construction costs into one convenient loan.
Conventional, FHA, and VA Construction Loan Options - Programs are available for a range of borrowers, including first-time homebuyers and veterans.

Home Renovation Loans

Our Home Renovation Loans are perfect for buyers or homeowners looking to improve or modernize a property—whether it’s updating a kitchen, adding a room, or making repairs. Options include:

FHA 203(k) Loans - Combine the purchase and renovation costs into one FHA-insured loan. Great for buyers purchasing fixer-uppers.
Fannie Mae HomeStyle® Renovation Loans - Offers flexibility for a wide variety of home improvements, including luxury upgrades. Available for primary residences, second homes, and investment properties.
VA Renovation Loans - Designed for eligible veterans, this program allows home improvements to be financed with a VA loan.
Construction-to-Perm Renovation Loans - Bundle the cost of renovations and mortgage into a single loan that converts to a long-term mortgage when the project is complete.
Investor-Friendly Renovation Financing - Options available for property flippers and real estate investors seeking to update and resell or rent.

Request a consultation

Request a consultation to explore your options and strategize next steps with us! You can also schedule a consultation online HERE!

Our Loan Products

Construction & Renovation Loans: Build or Transform Your Dream Home

Request a consultation

Construction & Renovation Loans:
Build or Transform Your Dream Home