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eLEND DIRECT Products

Your Home Financing Solutions

Browse our products. Easily view, compare, and filter options to find the solutions that best fit your needs. From first time home buyers to experienced investors, we are here to help find you the right solution.

Your Home Financing Solutions

eLEND Loan Options

9
NEW
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Non-QM

Finance your investment property using rental income instead of traditional employment documentation.

• No tax returns or traditional income documents required
• Purchase, refinance, and cash-out options available
• Eligible for long-term and short-term rental properties
• Designed for real estate investors growing their portfolio

  • Buy
  • Get Cash Out
  • Refinance
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FHA Loan

Helps borrowers with lower credit scores or higher debt buy or refinance a home with a smaller down payment.

  • Low down payment: 3.5%
  • Easier credit and debt requirements
  • Buy or refinance options
  • Buy
  • Low Down Payment
  • Manufactured Home
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30-Year Fixed

The most popular home loan option with predictable payments and flexible terms. A longer repayment period means lower monthly payments.

  • Lower monthly payments
  • Fixed, predictable rate
  • Buy with as little as 3% down
  • Buy
  • Low Down Payment
  • Manufactured Home
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HomeReady and Home Possible

Our programs are designed to make buying a home easier than you might think. With as little as 3% down and potential credits to lower your upfront costs, you could save thousands while stepping into your new home.

  • Low 3% down payment
  • Reduced mortgage insurance
  • Flexible qualification options
  • Buy
  • Low Down Payment
  • Manufactured Home
  • Save on Interest
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Home Equity Loan

Unlock the value in your home to get a lump sum for expenses like renovations, debt consolidation, or other major costs—without changing your current mortgage.

  • Access cash without refinancing
  • Keep your existing mortgage rate
  • Fixed monthly payments
  • Get Cash Out
  • Manufactured Home
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Cash-Out Refinance

Need cash fast? You can tap your home’s equity, keep your current mortgage rate, and enjoy fixed payments — no refinancing required.

  • Keep your existing mortgage and rate
  • Get cash in one lump sum
  • Fixed payments and term
  • Get Cash Out
  • Manufactured Home
  • Refinance
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15-Year Fixed

A 15-year fixed-rate mortgage lets you pay off your home faster, save on interest, and build equity sooner.

  • Fixed rate for the life of the loan
  • Pay less interest over time
  • Build equity faster
  • Buy
  • Refinance
  • Save on Interest
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VA Home Loans

Use your VA benefits to buy or refinance with $0 down, no PMI, and competitive rates — fast and simple.

  • 0% down payment
  • No PMI required
  • Competitive low rates
  • Buy
  • Get Cash Out
  • Low Down Payment
  • Manufactured Home
  • Save on Interest
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Temporary Buydown

A Temporary Buydown uses seller credits to lower your monthly payments for the first one or two years, freeing up cash for other expenses.

  • Lower payments early on
  • Easier mortgage transition
  • Seller-paid savings
  • Buy
  • Low Down Payment
  • Manufactured Home
  • Save on Interest