Find the Right Loan for You
Whether you're a first-time buyer or a seasoned investor, Solmira Home Loans has a program built for your unique situation. Explore our full range of loan options below.
Conventional and Government Loans
Whether buying your first home or next, we have a program to fit your needs and budget.
FHA Loans
The go-to option for first-time buyers. Low down payments make homeownership accessible sooner.
- Down payment as low as 3.5%
- Credit scores from 580+
- Flexible debt-to-income ratios
- Primary residences only
Conventional Loans
Ideal for buyers with solid credit. Avoid PMI with 20% down and access competitive market rates.
- Down payment from 3-20%
- No PMI at 20% down
- Primary, second and investment
- Up to conforming loan limits
VA Loans
A hard-earned benefit for veterans, active-duty service members, and eligible surviving spouses.
- 0% down payment
- No private mortgage insurance
- Competitive interest rates
- Flexible qualification standards
USDA Loans
Zero down financing for eligible rural and suburban buyers outside major metro areas.
- 0% down payment
- Low mortgage insurance costs
- Rural and suburban properties
- Income eligibility limits apply
Investor and Non-QM Loan Programs
Creative financing for self-employed borrowers, real estate investors, and complex income situations.
DSCR Loans
Qualify using rental income - not personal income. Built for investors growing a portfolio.
- No personal income verification
- Short-term and long-term rentals
- Single-family and multifamily
- Cash-out refinance available
Bank Statement Loans
For self-employed borrowers whose tax returns do not reflect their true earning power.
- 12 or 24-month statements
- Personal or business accounts
- No tax returns required
- Primary, secondary and investment
Alt Doc Loans
Flexible documentation for gig workers, contractors, and business owners with non-traditional income.
- Asset depletion programs
- P and L statement loans
- 1099 income eligible
- Competitive loan-to-value ratios
Commercial and Non-QM
Solutions for mixed-use, commercial properties, and scenarios outside conventional guidelines.
- Mixed-use and commercial properties
- Bridge and portfolio loan options
- Flexible underwriting criteria
- Fast closings available
Not Sure Which Loan Is Right for You?
Our expert team will review your situation and match you with the best program. No pressure, no obligation.
Get a Free Consultation
Solmira Home Loans is committed to the principles of fair and equal lending. We comply with the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and all applicable federal and state fair lending laws. We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, disability, age, marital status, or any other characteristic protected by law. This website is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and applicable state licensing. | Privacy Policy | Terms of Use