At NOVA, we understand no borrowers are alike. This includes people who have non-traditional sources of income, are self-employed, work on commission, or rely on investment income. We know everyone has different personal financial goals. And that a credit score doesn’t always tell the full story of a borrower’s ability to qualify for loan.
Our unique approach to lending allows us to help the widest variety of borrowers from all walks of life and financial situations. If you think your situation is unique, or maybe a different lender turned down your loan application, give us call.
Are you self-employed? We know some years are better than others. We offer programs that can determine your income based on your most recent one year’s tax returns.
Do your tax returns not accurately reflect your actual income? We have a bank statement only program that can qualify your income based on bank deposits.
Have high student loan debt? We can look at your monthly student loan payments, not overall debt, to determine your ability to make home loan payments.
Do you have or want to buy rental property? We have loans that allow rent or cash generated from the property to qualify as income documentation.
Do you want to buy a condo? Many, if not most, of our loans allow condo purchases.
Are you financially secure without a traditional income source? To help you meet income requirements, we can determine your net worth by verifying your overall assets.
Want to finance the costs of repairs for a home you’re buying? We have loans than help you cover the cost of renovation.
Not a U.S citizen? We have loans for permanent resident aliens, non-permanent resident aliens, and foreign nationals.
No matter your situation, we may likely have a loan program to help you buy your home. Contact a NOVA Loan Officer to learn more.
The Program information shown is for informational/educational purposes only and does not represent a commitment to lend or extend credit. Other terms and conditions may apply. Contact your Loan Officer for more details.
