Niche Lender Directory

Business Loans

Business Loans

Commercial business loans are offered by many types of lenders, including ones that finance real estate purchases, refinances and second mortgages.

Cannabis Loans

Cannabis Loans

Cannabis loans are available to finance dispensaries, farming and growing facilities, cannabis product manufacturing facilities or other properties related to the marijuana industry.

Car Wash

Car Wash Loans

A car wash loan is a commercial mortgage that finances a car wash, which is a special-purpose type of commercial property.

Church Loans

Church Loans

Faith-based organizations of all types fall into a specialized niche of commercial real estate financing.

Mixed Use

Commercial Property Mixed-Use Loans

In commercial real estate, mixed use is a term used to describe a property with multiple uses, such as a multistory building with retail space on the bottom floor.


Correspondent Lending

A correspondent relationship is an avenue for mortgage brokers and bankers to sell the mortgage loans they write.

Farm Loans

Farm Loans

Farm loans are a specific type of agricultural loan that resides under the commercial property category because farms produce income.


First Lien HELOC

A HELOC can be a first-lien loan if the property owner uses it to pay off an existing mortgage or if they already own the home outright.


Fix and Flip Loans

The term “fix and flip loans” refers to financing given to a buyer renovating a distressed residence with the purpose of selling it.


Foreign National and ITIN Mortgages

ITIN and DACA recipients are able to obtain a variety of nonqualified mortgages through private lenders that will either service the loans in their own portfolio or sell them on the secondary market.


Gas Station Loans

Gas stations are a type of retail property that resides under the larger umbrella of commercial properties. Lenders offer gas station loans for purchase, refinance and refinance with cash-out.


Golf Course Loans

A commercial golf course loan is a mortgage that finances a golf course. Golf courses are categorized as a type of entertainment/recreational property under the commercial umbrella.


Hotel and Motel Loans

A hotel or motel loan is a type of commercial mortgage that liens a specific classification of hospitality property.


Investment Property Loans

Investment property loans are used for the purchase of non-primary residences with the intent of earning a return on the investment.


Jumbo Loans

Jumbo mortgage loans are loans with amounts that exceed the maximum amount that Fannie Mae and Freddie Mac will buy. There are different loan thresholds for VA jumbo loans, as well as FHA and USDA.


Mobile Home Loans

Manufactured home mortgages are loans that finance the purchase or refinance of a mobile home or a manufactured home.


Mobile/Manufactured Home Park Loans

These communities can be large or small. While residents own the manufactured or mobile home itself, the owner of the park earns revenue by leasing the land beneath the homes.


No-Doc Mortgages

No-doc or low-doc home loans allow a borrower to obtain a mortgage without providing traditional income-verification documents to a lender.


No-FICO and Sub-500 FICO

Borrowers with credit scores under 500 or no FICO score will not qualify for prime loan programs and will therefore have to explore non-conventional mortgages.


No-Income Mortgages

Some borrowers aren’t able to provide income documentation. In these cases, a lender may accept other proof of the borrower’s net worth.


Rental Property Loans

A rental property loan is a mortgage for a residence from which the borrower, as a landlord, intends to earn rental income.


Residential Second Lien Mortgages

A second mortgage is a loan a borrower takes on a home that people live in, whether it is a primary residence, a vacation home or a rental property.


Restaurant Loans

Lenders offer mortgages for an array of restaurant scenarios, including start-ups, opening and financing a restaurant, cafés, fast-food franchises, bakeries, specialty restaurants, franchised or branded restaurants, chains and independents.


SBA 7(a) Loan

The federal government’s Small Business Administration (SBA) has a loan guarantee program that supports commercial lending in the US.


Self Employed Mortgages

Self employed home loans can come in a variety of flavors. It’s possible for these borrowers to qualify for a conventional or government-backed loan, but it’s increasingly common for self-employed workers to get nonqualified (non-QM) loans.


Self Storage/Ministorage Loans

Financing for a self storage facility is a special-purpose type of commercial property loan pertaining to a facility that allows people to keep their personal belongings away from their primary residence.


Stated-Income Mortgages

A stated-income mortgage is underwritten with the borrower’s income as the primary factor, but the income is stated and not verified in order to save time and money.


Undeveloped Land Loans

Undeveloped land is often purchased by a business-purpose borrower with the intent to develop a commercial real estate asset.


Vacant Lot Loans

A loan to buy a vacant lot is a mortgage used to purchase or refinance either an improved or unimproved parcel of land.


Warehouse Loans

Lenders offer warehouse mortgages for a variety of scenarios, such as purchase, acquisition and development, refinance, and cash-out refinance.

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