Residential
Residential
Dreaming of owning a home? Our Residential loan program offers a path to homeownership with competitive rates, starting at 6.875%, and flexible terms. Whether you're a first-time buyer or looking to upgrade, we can help you find the perfect mortgage solution to fit your needs.
Program Benefits
Competitive interest rates starting at 6.875%
Loan options for a wide range of credit profiles, starting at a 620 FICO score
High Loan-to-Value (LTV) options, up to 97%
Flexible terms to fit your budget and financial goals
Expert guidance throughout the entire loan process
Streamlined application process for a hassle-free experience
Program Highlights
Max LTV
97%
Min Credit Score
620
Max DTI
45%
Loan Amount Range
$50,000 - $3,000,000
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Modular Home
Program Requirements
Income Documentation
- •Consistent employment history or stable income sources
- •Sufficient income to cover monthly mortgage payments and other debts
- •Documentation of income, such as pay stubs, W-2s, or tax returns
Asset Verification
- •Sufficient funds for down payment and closing costs
- •Verification of assets through bank statements or other financial documents
- •Reserves may be required depending on loan type and borrower profile
Insurance & Title
- •Homeowner's insurance to protect against property damage
- •Flood insurance may be required if the property is in a flood zone
- •Mortgage insurance may be required depending on loan type and down payment amount
Property Requirements
- •Minimum FICO score of 620
- •Review of credit history to assess creditworthiness
- •Stable credit history with a limited number of past delinquencies
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum down payment varies depending on the loan program and your individual circumstances. With our Residential loan program, down payments can be as low as 3% for qualified borrowers.
You will typically need to provide documentation of your income (pay stubs, W-2s, tax returns), assets (bank statements, investment account statements), and credit history. Additional documentation may be required depending on the specific loan program.
The approval process can vary, but it typically takes between 30 and 45 days from application to closing. Factors that can affect the timeline include the complexity of your financial situation and the lender's processing times.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
