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LendingPurpose.com — Mortgage Education Center
Free DSCR CalculatorMortgage Loan Solutions For Every Scenario
Whether you are buying your first home, investing in commercial real estate, or need creative financing options, we have a program tailored for you. Explore DSCR loans for investors, bank statement loans for the self-employed, and down payment assistance programs for first-time buyers.
Home Purchase & Refinance Loans
Traditional mortgage options for buying, refinancing, or accessing equity in a home.
Read MoreAlternative & Non-QM Loans
Flexible lending solutions for borrowers who may not fit standard income or documentation requirements.
Read MoreInvestor, Commercial & Private Lending
Loan options designed for property investors, commercial buyers, and short-term funding needs.
Read MoreRenovation, Construction & Property Rescue
Financing for building, improving, repairing, or protecting a property.
Read MoreThree Simple Steps to Your Loan
We have streamlined the mortgage process so you can focus on what matters, finding your perfect property.
Complete Quick-App
Fill out our fast, secure Quick App. No credit pull required, just the basics to get started.
Speak With Our Expert
Our expert personally reviews your information and contacts you to discuss the best loan options tailored to your specific situation and goals.
Close With Confidence
From application to closing table, we guide you every step of the way, with nearly 24/7 availability to answer questions and keep you informed.
Meet Your Mortgage Expert
Our lead mortgage originator has been dedicated to perfecting the mortgage process since 2012, with experience at multiple top mortgage companies, he has developed a deep understanding of home loans and continues to stay on the cutting edge of the industry. It's more than finding the lowest rate — it's about delivering an exceptional client experience built on communication, transparency, and trust.
How Much Can the Seller Cover?
A quick reference for maximum seller credits by loan type. Use this to structure your offer and maximize your savings at closing.
| Loan Type | Down Payment | Max Seller Concession | Notes |
|---|---|---|---|
| Conventional | < 10% | 3% | Primary, second home & investment |
| Conventional | 10% – 24% | 6% | Primary & second home only |
| Conventional | ≥ 25% | 9% | Primary & second home only |
| FHA | 3.5% minimum | 6% | Primary residence only |
| VA | 0% (no down required) | 4% | Eligible veterans & active duty |
| USDA | 0% (no down required) | 6% | Rural/eligible areas, primary only |
| DSCR / Non-QM | Varies (typically 10–25%) | 2% – 6% | Lender-specific; confirm per scenario |
| Jumbo | Varies (typically 10–20%) | 2% – 6% | Lender-specific; varies by program |
| Private Equity | Varies (typically 10–35%) | Varies by program | Varies by program; confirm per scenario |
* Limits subject to change. Contact Jaime's team to confirm limits for your specific scenario. All loans subject to credit approval and program guidelines.
Ready to Get Started?
Have a question about a loan type, a calculator result, or your specific scenario? Reach out and expect a real, personal response from Jaime or his team.
Jaime Fernandez is a licensed mortgage loan originator. All loan scenarios are subject to credit approval, underwriting review, and program guidelines. Rate and payment examples do not constitute a loan commitment or guarantee of terms.