El Arsenal de Préstamos.

30-Year Fixed Conventional

The primary choice for long-term homeowners seeking absolute payment stability.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

15-Year Fixed Conventional

Designed for borrowers who want to build equity twice as fast as a standard mortgage.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Jumbo 30-Year Fixed

Financing for luxury properties that exceed standard conforming loan limits.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

FHA 30-Year Fixed

The most flexible entry point for first-time buyers and those with modest credit.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

VA 30-Year Fixed

An exclusive, 0% down payment benefit for Veterans and Active Duty members.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

DSCR (Debt Service Coverage Ratio)

The ultimate tool for scaling a rental portfolio using property cash flow.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Asset Depletion Loan

Qualify based on your high net worth and liquid assets instead of traditional income.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

12-Month Bank Statement Loan

Qualify based on your real cash flow instead of traditional tax returns.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Smart HELOC (Home Equity Line of Credit)

Unlock up to 90% of your home's equity with a flexible line of credit.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Fixed 2nd Mortgage

Access your equity with a predictable fixed rate without touching your low 1st mortgage rate.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Bank Statement 2nd Mortgage

Specialized equity access for self-employed borrowers using bank statements instead of tax returns.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Inclusive

Foreign National Program

Financing for non-resident aliens looking to invest in US real estate.

Valor Estratégico

No US credit required
Simple documentation
Global wealth recognized

California Elite 30-Year Fixed Conventional

Specialized Foundation solution optimized for California market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Texas Fast-Track 30-Year Fixed Conventional

Specialized Foundation solution optimized for Texas market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Florida High-Balance 30-Year Fixed Conventional

Specialized Foundation solution optimized for Florida market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Arizona Reduced Documentation 30-Year Fixed Conventional

Specialized Foundation solution optimized for Arizona market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Nevada Asset-Based 30-Year Fixed Conventional

Specialized Foundation solution optimized for Nevada market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Colorado Community Hero 30-Year Fixed Conventional

Specialized Foundation solution optimized for Colorado market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Washington Direct Pricing 30-Year Fixed Conventional

Specialized Foundation solution optimized for Washington market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Georgia Secondary Market 30-Year Fixed Conventional

Specialized Foundation solution optimized for Georgia market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

New York Elite 30-Year Fixed Conventional

Specialized Foundation solution optimized for New York market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

Virginia Fast-Track 30-Year Fixed Conventional

Specialized Foundation solution optimized for Virginia market conditions.

Valor Estratégico

Long-term stability
Predictable payments
Standard conforming limits

California Fast-Track 15-Year Fixed Conventional

Specialized Foundation solution optimized for California market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Texas High-Balance 15-Year Fixed Conventional

Specialized Foundation solution optimized for Texas market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Florida Reduced Documentation 15-Year Fixed Conventional

Specialized Foundation solution optimized for Florida market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Arizona Asset-Based 15-Year Fixed Conventional

Specialized Foundation solution optimized for Arizona market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Nevada Community Hero 15-Year Fixed Conventional

Specialized Foundation solution optimized for Nevada market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Colorado Direct Pricing 15-Year Fixed Conventional

Specialized Foundation solution optimized for Colorado market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Washington Secondary Market 15-Year Fixed Conventional

Specialized Foundation solution optimized for Washington market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Georgia Elite 15-Year Fixed Conventional

Specialized Foundation solution optimized for Georgia market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

New York Fast-Track 15-Year Fixed Conventional

Specialized Foundation solution optimized for New York market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

Virginia High-Balance 15-Year Fixed Conventional

Specialized Foundation solution optimized for Virginia market conditions.

Valor Estratégico

Lower interest rates
Rapid equity growth
Massive interest savings

California High-Balance Jumbo 30-Year Fixed

Specialized Luxury solution optimized for California market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Texas Reduced Documentation Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Texas market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Florida Asset-Based Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Florida market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Arizona Community Hero Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Arizona market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Nevada Direct Pricing Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Nevada market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Colorado Secondary Market Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Colorado market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Washington Elite Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Washington market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Georgia Fast-Track Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Georgia market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

New York High-Balance Jumbo 30-Year Fixed

Specialized Luxury solution optimized for New York market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

Virginia Reduced Documentation Jumbo 30-Year Fixed

Specialized Luxury solution optimized for Virginia market conditions.

Valor Estratégico

High loan amounts
Competitive luxury rates
Flexible asset inclusion

California Reduced Documentation FHA 30-Year Fixed

Specialized Government solution optimized for California market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Texas Asset-Based FHA 30-Year Fixed

Specialized Government solution optimized for Texas market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Florida Community Hero FHA 30-Year Fixed

Specialized Government solution optimized for Florida market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Arizona Direct Pricing FHA 30-Year Fixed

Specialized Government solution optimized for Arizona market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Nevada Secondary Market FHA 30-Year Fixed

Specialized Government solution optimized for Nevada market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Colorado Elite FHA 30-Year Fixed

Specialized Government solution optimized for Colorado market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Washington Fast-Track FHA 30-Year Fixed

Specialized Government solution optimized for Washington market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Georgia High-Balance FHA 30-Year Fixed

Specialized Government solution optimized for Georgia market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

New York Reduced Documentation FHA 30-Year Fixed

Specialized Government solution optimized for New York market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

Virginia Asset-Based FHA 30-Year Fixed

Specialized Government solution optimized for Virginia market conditions.

Valor Estratégico

3.5% down payment
Flexible credit scores
Assumable financing

California Asset-Based VA 30-Year Fixed

Specialized Government solution optimized for California market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Texas Community Hero VA 30-Year Fixed

Specialized Government solution optimized for Texas market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Florida Direct Pricing VA 30-Year Fixed

Specialized Government solution optimized for Florida market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Arizona Secondary Market VA 30-Year Fixed

Specialized Government solution optimized for Arizona market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Nevada Elite VA 30-Year Fixed

Specialized Government solution optimized for Nevada market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Colorado Fast-Track VA 30-Year Fixed

Specialized Government solution optimized for Colorado market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Washington High-Balance VA 30-Year Fixed

Specialized Government solution optimized for Washington market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Georgia Reduced Documentation VA 30-Year Fixed

Specialized Government solution optimized for Georgia market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

New York Asset-Based VA 30-Year Fixed

Specialized Government solution optimized for New York market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

Virginia Community Hero VA 30-Year Fixed

Specialized Government solution optimized for Virginia market conditions.

Valor Estratégico

$0 down payment
No monthly PMI
Competitive interest rates

California Community Hero DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for California market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Texas Direct Pricing DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Texas market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Florida Secondary Market DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Florida market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Arizona Elite DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Arizona market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Nevada Fast-Track DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Nevada market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Colorado High-Balance DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Colorado market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Washington Reduced Documentation DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Washington market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Georgia Asset-Based DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Georgia market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

New York Community Hero DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for New York market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

Virginia Direct Pricing DSCR (Debt Service Coverage Ratio)

Specialized Investor solution optimized for Virginia market conditions.

Valor Estratégico

No personal DTI used
Unlimited properties
Airbnb/STR friendly

California Direct Pricing Asset Depletion Loan

Specialized Wealth solution optimized for California market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Texas Secondary Market Asset Depletion Loan

Specialized Wealth solution optimized for Texas market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Florida Elite Asset Depletion Loan

Specialized Wealth solution optimized for Florida market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Arizona Fast-Track Asset Depletion Loan

Specialized Wealth solution optimized for Arizona market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Nevada High-Balance Asset Depletion Loan

Specialized Wealth solution optimized for Nevada market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Colorado Reduced Documentation Asset Depletion Loan

Specialized Wealth solution optimized for Colorado market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Washington Asset-Based Asset Depletion Loan

Specialized Wealth solution optimized for Washington market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Georgia Community Hero Asset Depletion Loan

Specialized Wealth solution optimized for Georgia market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

New York Direct Pricing Asset Depletion Loan

Specialized Wealth solution optimized for New York market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

Virginia Secondary Market Asset Depletion Loan

Specialized Wealth solution optimized for Virginia market conditions.

Valor Estratégico

Leverage liquid wealth
No employment required
Complex income solution

California Secondary Market 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for California market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Texas Elite 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Texas market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Florida Fast-Track 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Florida market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Arizona High-Balance 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Arizona market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Nevada Reduced Documentation 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Nevada market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Colorado Asset-Based 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Colorado market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Washington Community Hero 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Washington market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Georgia Direct Pricing 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Georgia market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

New York Secondary Market 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for New York market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

Virginia Elite 12-Month Bank Statement Loan

Specialized Self-Employed solution optimized for Virginia market conditions.

Valor Estratégico

No tax returns required
Entrepreneur focused
Up to 90% LTV

California Elite Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for California market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Texas Fast-Track Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Texas market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Florida High-Balance Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Florida market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Arizona Reduced Documentation Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Arizona market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Nevada Asset-Based Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Nevada market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Colorado Community Hero Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Colorado market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Washington Direct Pricing Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Washington market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Georgia Secondary Market Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Georgia market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

New York Elite Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for New York market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

Virginia Fast-Track Smart HELOC (Home Equity Line of Credit)

Specialized Equity solution optimized for Virginia market conditions.

Valor Estratégico

Interest-only options
Fast 5-day funding
No closing costs available

California Fast-Track Fixed 2nd Mortgage

Specialized Equity solution optimized for California market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Texas High-Balance Fixed 2nd Mortgage

Specialized Equity solution optimized for Texas market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Florida Reduced Documentation Fixed 2nd Mortgage

Specialized Equity solution optimized for Florida market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Arizona Asset-Based Fixed 2nd Mortgage

Specialized Equity solution optimized for Arizona market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Nevada Community Hero Fixed 2nd Mortgage

Specialized Equity solution optimized for Nevada market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Colorado Direct Pricing Fixed 2nd Mortgage

Specialized Equity solution optimized for Colorado market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Washington Secondary Market Fixed 2nd Mortgage

Specialized Equity solution optimized for Washington market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Georgia Elite Fixed 2nd Mortgage

Specialized Equity solution optimized for Georgia market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

New York Fast-Track Fixed 2nd Mortgage

Specialized Equity solution optimized for New York market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

Virginia High-Balance Fixed 2nd Mortgage

Specialized Equity solution optimized for Virginia market conditions.

Valor Estratégico

Lump sum funding
Predictable monthly payments
No teaser rates

California High-Balance Bank Statement 2nd Mortgage

Specialized Equity solution optimized for California market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Texas Reduced Documentation Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Texas market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Florida Asset-Based Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Florida market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Arizona Community Hero Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Arizona market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Nevada Direct Pricing Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Nevada market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Colorado Secondary Market Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Colorado market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Washington Elite Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Washington market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Georgia Fast-Track Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Georgia market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

New York High-Balance Bank Statement 2nd Mortgage

Specialized Equity solution optimized for New York market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Virginia Reduced Documentation Bank Statement 2nd Mortgage

Specialized Equity solution optimized for Virginia market conditions.

Valor Estratégico

No tax returns needed
Up to 85% CLTV
Self-employed optimized

Inclusive

California Reduced Documentation Foreign National Program

Specialized Inclusive solution optimized for California market conditions.

Valor Estratégico

No US credit required
Simple documentation
Global wealth recognized

Inclusive

Texas Asset-Based Foreign National Program

Specialized Inclusive solution optimized for Texas market conditions.

Valor Estratégico

No US credit required
Simple documentation
Global wealth recognized