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Loan Programs

Getting the right loan program shouldn't be a chore. With JLowe Loans, you can find a range of options including Conventional (QM), Federal Housing Administration (FHA), Veterans Affairs (VA), Jumbo loans, Non-Conforming (Non-QM), and more. Our team is dedicated to offering the best assistance and guidance that you need to make the most informed decision. Contact us to learn more.

Bank Statement Loan

Qualify with 12 months of your personal or business' Bank Statements. Business statements down to 20% with no CPA letter needed.

Asset Utilization Loan

Qualify with your assets, no debt-to-income qualification needed.

DCSR Loan - Short Term Rentals (Airbnb, VRBO, etc)

Purchase or refi loans available for 1 unit single family, condos, or planned unit development. Available for 2-4 unit refinance. Vacant properties can qualify. No first time investors.

One Year Self Employed Loan

Qualify for a purchase, refi, or cash out with 12 months of your bank statements. Prior to being 12 months self employed, borrower must have been a W2 employee for the previous 12 months.


Qualify with a written verification of employment and two months of bank statements. No W2, paystub, tax return or 4506C needed.

DCSR Loan - Vacant Properties

Purchase loan available up to $1M with 70% LTV. Purchase loan available up to $2M with 65% LTV. Refinance cash out available up to $1.5M with 60% LTV.

Non-QM Individual Tax Identification Loan

No Green Card or NPRA status required. Qualify for up to $1.5M with bank statements, DCSR, or Full Documents.

Maxone Plus - FHA Loan

100% Financing, no down payment needed. There is no income limit for this FHA downpayment assistance program.

VA Loan

A VA loan is a $0-down mortgage option issued by private lenders and partially backed by the Department of Veterans Affairs (VA). Eligible borrowers can use a VA loan to purchase a property as their primary residence or refinance an existing mortgage. Up to 120% financing available.

Conventional FHA Loan

This loan program is backed by the Federal Housing Administration. Since these mortgage loans are insured by the federal government (and are less of a risk for lenders), they can be easier to qualify for if you're rebuilding your credit or if you need to make a smaller down payment.

Streamline FHA Refinance

The Streamline Refinance program allows the refinance of current FHA-insured loans to a lower interest rate or to a different type of mortgage (fixed- or adjustable-rate mortgage). Low closing costs and no appraisal needed.

VA Streamline Refinance (IRRRL)

If you have an existing VA-backed home loan and you want to reduce your monthly mortgage payments, an interest rate reduction refinance loan (IRRRL) may be right for you. Refinancing lets you replace your current loan with a new one under different terms.

Super Jumbo Loans

We have very competitive rates for our Super Jumbo loans. Available options include 7 Year Interest Only, 10 Year Interest Only, and 30 Year Fixed Rate. Call for loan limits.

Reverse Mortgages

A reverse mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property. These loans are typically geared towards older homeowners and typically do not require monthly mortgage payments.

Adjustable-rate mortgages (ARMs)

Adjustable Rate Mortgages have an interest rate that will change over the loan term. Although ARMs typically begin with a low interest rate (compared to a typical fixed-rate mortgage) for an introductory period, borrowers should expect a rate increase after this period ends. 

Home Equity Lines of Credit (HELOC)

 Get up to a $250k line of credit with Stated Income qualification. Contact us for other HELOC options.

Fixed-rate loans

A fixed-rate loan has a stable interest rate that will stay the same for the entire life of the loan.

Jumbo Loans

We have very competitive rates for our Jumbo loans. Available options include 7 Year Interest Only, 10 Year Interest Only, and 30 Year Fixed Rate.

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