Loan Programs

Financing options built around your goals

From traditional residential financing to alternative documentation and commercial lending, EMC Lending helps you explore the financing path that fits your situation.

Modern home for conventional mortgage financing
01 · Residential Financing

Conventional Mortgage Loans

A conventional mortgage is a conforming loan that meets the requirements for Fannie Mae or Freddie Mac. These programs can provide traditional residential financing for qualified borrowers purchasing or refinancing a home.

Alternative mortgage documentation and financial planning
02 · Alternative Documentation

Non-QM Loans

A non-QM loan is designed for borrowers who may not meet traditional qualified-mortgage requirements, including self-employed borrowers and borrowers with non-standard income or documentation. These programs can provide alternative paths to mortgage financing.

Commercial property for commercial mortgage financing
03 · Business & Investment

Commercial Mortgage Loans

Commercial financing provides debt-based funding for businesses and commercial real estate. It can support property acquisition, refinancing, improvements, expansion, and other investment or operating needs.

Fast Funding · Home Equity Line

A fast, simple way to get your home equity line.

Apply in 15 minutes, receive funding in 5 days.

Check my scenario

Note: Approval may be granted in fifteen minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with lender’s remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.

Ready when you are

Let’s find the right financing solution.

Whether you’re buying a home, refinancing, investing in real estate, or exploring alternative mortgage options, the EMC Lending Corporation team is ready to help.

Contact us today to discuss your financing needs and explore available mortgage options.

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