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Apartment & Commercial

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2 To 4 Units

 

We have a wide range of programs on 2 to 4 units and the best pricing is at a 75% maximum loan to value ratio.  We can finance owner-occupied as well as non-owner occupied on a purchase or refinance.

If these are conforming loan amounts we can obtain automated approval decision.  Just complete our application and talk to us and we can run it through the automated approval engine.  Loan limits are higher than single family residences and rental income can be used to qualify.  Please see the chart of loan limits for conforming products, which are County specific.

FHA loans, with their low down payments and high loan-to-value ratios are allowed if the property is owner occupied.

 

Conforming and maximum county loan limits are as follows:

1 unit maximum: $417,000 nationwide, up to $729,750; county specific

2 unit (duplex) maximum: $533,850 nationwide,  up to $934,200; county specific

3 unit (triplex) maximum: $645,300 nationwide, up to $1,129,250; county specific

4 unit (quadplex) maximum: $801,950 nationwide, up to $1,403,400; county specific