Different Borrowers. Different Goals.
From a first home to a ground-up build to a private cash-out, Unity Lending arranges financing across a wide set of lenders and loan products. Here is the range — and if you do not see your scenario, ask.
Twelve programs, grouped by how you would think about them.
The same loan can sit in more than one of these — a self-employed investor buying a fourplex touches three. Start wherever your situation fits and we will sort out the rest.
By what you are doing
Purchase
A first home, a move-up, a second home, or investment property.
Refinance
A better rate, a different term, or cash out of your equity.
HELOC & Second Mortgages
Use your equity without giving up a low first-mortgage rate.
By how you qualify
Bank Statement & Alt Doc
For self-employed borrowers whose tax returns understate what they earn.
Investment (DSCR)
Qualify on the property’s rent instead of your personal income.
Hard Money & Private
Asset-based lending for speed, condition, or timing a bank cannot meet.
By project type
Fix & Flip
Purchase plus rehab, funded in draws, on an investor’s schedule.
Ground-Up Construction
Land, plans, permits, and a build financed in stages.
Bridge
Buy the next property before the current one sells.
Government-backed
FHA
A lower down payment and more flexible credit, backed by the FHA.
VA
No down payment and no monthly mortgage insurance for those who qualify.
Commercial
Not sure which one you need?
Most people are not, and that is fine — picking the program is our job, not yours. What helps us most is knowing what you are trying to do, roughly what the property is, and how you earn. From there we can usually narrow it to one or two options on a first call.
Because we are a broker rather than a single lender, we are not trying to fit you into one shelf of products. If the right answer is a program on this page, we will arrange it. If the right answer is that you should wait, or go conventional with your own bank, we will tell you that too.
Minimum credit, reserves, and equity requirements vary by program and by lender, and they change. Nothing on this site is a rate quote or a commitment to lend — it is a map of what we arrange. The specifics come from looking at your actual file.
Tell us the scenario.
Fifteen minutes is usually enough to work out which program fits and what it would take to get there.