Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

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Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

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Loan Program Options

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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income. Ask about our Downpayment Grants on this program- Up to $7500.00!

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FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment and down payment assistance from 3.50% -5.00% for Downpayment and Closing costs. 

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VA Loans

Are you a veteran or active-duty service member looking to buy a home? VA Loans offer incredible benefits designed just for you!

*No Down Payment Required.
No Private Mortgage Insurance (PMI).
*Competitive Interest Rates.
*Flexible Credit Requirements.
*Reduced Closing Costs.

With a VA loan, you can achieve homeownership with fewer hurdles and more savings. Whether it's your first home or you're refinancing, take advantage of this well-deserved benefit! 

ITIN Loans
ITIN Loans

Loans designed to assist borrowers that do not have a perminant status in the US.  America's Best Lending -Clear Lake  offers a 3.50% down payment program down to a 580 credit score- borrower's can use Tax Returns, Bank Statements only Or 1099 tax forms to qulaify for a 30 year Mortgage loan

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Flexible qualification programs for Self Employed borrowers.

Self-employed and struggling to qualify for a traditional mortgage? We’ve got you covered with flexible programs designed just for YOU! 

Qualify using:

  • 12 or 24 months of Bank Statements 
  • 1099 Forms 
  • Profit & Loss Statements (P&L) 

No Tax Returns Required! 

Whether you're a freelancer, business owner, or entrepreneur, this program gives you the flexibility to qualify based on your actual income flow, not just your tax filings.

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DSCR- Business Purpose Investment loans for Investment properties- No Proof of Income required!

DSCR loans (Debt Service Coverage Ratio) are perfect for real estate investors! Instead of relying on personal income, these loans focus on the property's cash flow to qualify.

  • Key Benefit: Your rental income covers the loan payments, making it easier to qualify.
  • Ideal for rental properties, including single-family homes, multi-units, and more!
  • No need for extensive personal financials—just show the property's income potential! 

Ready to invest without the hassle? A DSCR loan could be the right fit for you!

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Private Money Loans      for Fix & Flip &  Construction on Investment properties. Easy qualification- No Tax returns or Financial statements needed to qualify!

Looking for fast, flexible funding for your next real estate project? Private money loans are the perfect solution for:

  • Construction Projects: Get the capital you need to break ground quickly!
  • Fix-and-Flip Deals: Secure financing for property renovations and maximize your profit potential. 

Private money offers quick approvals, flexible terms, and less red tape than traditional loans—perfect for investors looking to move fast!

Interested in learning more? Reach out today to explore your options!

ITIN Loans
No Income Verification on Residential loans.

Are you finding it difficult to qualify for a mortgage through traditional requirements? Maybe you’re self-employed, have non-traditional income sources, or simply don’t meet the typical income documentation standards. No Income Verification Loans could be the perfect solution for you! 

No Income Verification Loans allow you to secure financing without the need to provide proof of income through pay stubs, tax returns, or W-2s. 

Who Can Benefit?

*Self-employed borrowers.
*Real estate investors
*Individuals with multiple income streams.
*Those with irregular income or limited documentation.

Get Your Mortgage Questions Answered Today!