Buy-and-hold investors purchasing or refinancing single-family, duplex, townhome, condo, or small multifamily (1-4 unit) rentals, including first-time investors, foreign nationals, and portfolio owners.

Why clients choose this loan

Credit scores as low as 600 for experienced investors
No-ratio program available: qualify with no minimum debt-service coverage
First-time home buyers and first-time investors welcome
Vacant properties, short-term rentals, and rural properties allowed
Foreign nationals, US permanent residents, and ITIN borrowers eligible
Gift funds allowed toward down payment and reserves; portfolio loans available

Loan terms

Loan amount	$100K - $5M
Term	Bridge: 12-24 mo, interest-only \| Permanent: 30 & 25-yr fixed, 5/1 & 5/6 ARM
Loan-to-value	Purchase up to 80% \| Refinance up to 75%
Closing time	As fast as 21 days
Minimum FICO	600

State availability: Not currently available in UT, ND, SD, VT, NV, OR, AZ.

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Takes about 90 seconds. A Fort House officer follows up within 15 minutes during business hours.

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One quick application covers every product, no separate form per loan type.

Commercial Real Estate Loans

Purchase, refinance, or cash out on commercial property, investment or owner-occupied, with flexible qualification.

Best for

Owners and investors financing multi-family, industrial, self-storage, warehouse, office, retail, restaurant, mixed-use, or unique commercial property.

Why clients choose this loan

Credit scores as low as 600 for professional investors
No-DSCR options up to $500K (investment) and $750K (owner-occupied purchase)
30-year fixed commercial mortgages available
No tax returns or debt-to-income review required
First-time investors and startups (with market-rent qualification) welcome
No sourcing or seasoning required on down payment and reserves

Loan terms

Loan amount	$100K - $5M
Term	30/25/20/15-yr fixed, 5/1 & 5/6 ARM, rate & pre-payment buydowns available
Loan-to-value	Purchase up to 80% \| Refinance up to 75% \| Up to 90% CLTV w/ seller second
Closing time	3-4 weeks
Minimum FICO	600

State availability: Not currently available in AZ, ID, ND, NV, OR, SD, UT, VT. Rural properties not eligible.

Check your rate

Takes about 90 seconds. A Fort House officer follows up within 15 minutes during business hours.

Check Your Rate Talk to an Officer

One quick application covers every product, no separate form per loan type.

Fix & Flip Loans

Fund the purchase and the renovation of a residential property in one bridge loan, and close in as little as 21 days.

Best for

Investors renovating single-family, duplex, townhome, condo, PUD, or small multifamily (5+ unit) properties to rent or resell. First-time flippers welcome.

Why clients choose this loan

First-time flippers welcome
Credit scores as low as 650
Close within 21 days
Rural properties and portfolio deals accepted
Covers both purchase and rehab budget in a single loan

Loan terms

Loan amount	$100K - $3M
Term	Bridge: 6-24 months, interest-only
Loan-to-cost	Up to 90% \| Initial LTC up to 90% of purchase
Loan-to-ARV	Up to 75%
Minimum FICO	650

State availability: Not currently available in AZ, ND, NV, SD, OR, UT, VT. Business-purpose loans only.

Check your rate

Takes about 90 seconds. A Fort House officer follows up within 15 minutes during business hours.

Check Your Rate Talk to an Officer

One quick application covers every product, no separate form per loan type.

Ground-Up Construction Loans

Build new residential investment property from the ground up, with land acquisition and up to 100% of the construction budget covered.

Best for

Experienced and first-time builders constructing single-family homes, 2-4 unit multifamily, condos, townhomes, or PUDs for rental or resale.

Why clients choose this loan

Credit scores as low as 660 for experienced builders
Close within 21 days
Land acquisition can be rolled into the construction loan
Up to 100% of the construction budget covered

Loan terms

Loan amount	$200K - $3M
Term	Bridge: 6-24 months, interest-only
Loan-to-cost	Up to 85% \| Initial LTC up to 75% of land purchase
Loan-to-ARV	Up to 65%
Minimum FICO	660

State availability: Not currently available in ND, SD, VT, NV, OR, AZ. US citizens only.

Check your rate

Takes about 90 seconds. A Fort House officer follows up within 15 minutes during business hours.

Check Your Rate Talk to an Officer

One quick application covers every product, no separate form per loan type.

SBA 7(a) Real Estate Loans

Government-backed financing for owner-occupied commercial real estate: low rates, fixed payments, and the lowest down payments available.

Best for

Business owners purchasing or refinancing the real estate their own business operates from. No prior commercial real estate experience required.

Why clients choose this loan

Funding within 21 days
Loan-to-value up to 90%, the lowest down payments on the market
Limited pre-payment penalty
Projection-based approvals available for newer businesses

Loan terms

Loan amount	$300K - $5M
Term	25 years, fully amortizing
Rate	Starting at Prime + 2.5%
Time in business	2 yrs required, 5 yrs preferred
Minimum FICO	640

State availability: Owner-occupied real estate only. No bankruptcy or foreclosure in the past 3 years.

Check your rate

Takes about 90 seconds. A Fort House officer follows up within 15 minutes during business hours.

Check Your Rate Talk to an Officer

One quick application covers every product, no separate form per loan type.

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