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Z Loans was built on loyalty, trust, and the belief that strong relationships matter — in business and beyond. Those values shape how we approach every loan, every client, and every partner. We focus on understanding the story behind each scenario and delivering with clarity, consistency, and purpose.
Z Loans
Our Programs
First-Time Buyers
We specialize in guiding first-time buyers through the mortgage process, making homeownership a reality.
Refinancing
Explore options for mortgage refinancing to maximize your financial benefits.
Investment Properties
Get expert advice on financing investment properties and expanding your real estate portfolio.
Traditional Programs
- FHA Loans
- Conventional Loans
- VA Loans
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FHA Loans: Low Down Payment + Flexible Credit Guidelines.
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Conventional Loans: Competitive rates for strong credit borrowers.
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VA Loans: Active Duty and Veterans
Non-QM Programs
- Bank Statement Loans
- ITIN Loans
- DSCR/Investor Loans
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Bank Statements: Qualify with bank statements, no tax returns.
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ITIN Loans: For borrowers with no SSN.
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DSCR: Approval based on rental income.
Property Programs
- Condo Loans
- Non Traditional Loans
- Jumbo Loans
Multiple non-traditional Loan Options
Options tailored for every borrower. Contact us to learn how we can assist you.
Wholesale made simple
Solutions for every borrower.
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Broadest documentation menu in the lineup — Full Doc, Alt Doc, P&L, Bank Stmt, WVOE, Asset Depletion.
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ITIN Options available.
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Agency NOO & 2nd Home program.
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DSCR as low as 0.80 with Foreign National eligibility.
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Closed-End 2nd Lien up to 85% CLTV.
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Broadest loan menu overall — Agency, Full Doc, Alt Doc, DSCR, ITIN and 2nd Lien all in one place.
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Broadest documentation menu in the lineup — Full Doc, Alt Doc, P&L, Bank Stmt, WVOE, Asset Depletion.
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ITIN Options available.
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Agency NOO & 2nd Home program.
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DSCR as low as 0.80 with Foreign National eligibility.
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Closed-End 2nd Lien up to 85% CLTV.
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Broadest loan menu overall — Agency, Full Doc, Alt Doc, DSCR, ITIN and 2nd Lien all in one place.
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Min FICO 640 on DSCR
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Interest Only allowed
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Up to 90% LTV on primary Non-QM
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30 and 40-year IO available on DSCR — lowers payment for investors
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Standalone Closed-End 2nd up to $500K — equity access without refinancing
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Non-QM Expanded program includes First Time Homebuyers and Non-Occupant Co-Borrowers
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Loans up to $4MM+ — true super jumbo Non-QM capability
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Up to 90% LTV on purchase
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Min FICO as low as 620 — broadest credit access for Non-QM
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Cross Collateral DSCR covering 2–25 properties in a single loan — unique portfolio product
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Short-Term Rental (Airbnb/VRBO) income accepted for DSCR qualification
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ITIN program available
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Three credit tiers (A+, A, A-) — place almost any credit profile.
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Up to 90% LTV on A and A+ tiers — highly competitive
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Loans up to $3.5MM on A+ — true jumbo capability
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Both Standard and Alt Doc accepted across all tiers — maximum flexibility
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Clear tiered structure makes it easy to quickly identify where a borrower fits.
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IO available on A and A+ tiers — flexible payment structure for qualifying borrowers
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Low 3.5% down with flexible credit (580+)
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Works for ITIN, DACA, and non-traditional borrowers
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Allows bank statement income, asset depletion, and flexible underwriting
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Up to 50% DTI with compensating factors for stronger approvals
