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For diverse financing needs.

Government

Coming Soon.

Fannie Mae and Freddie Mac conventional loans available now.

Jumbo

Coming Soon.

Our Loan Product Series

"At PhinanceUS™, we know that every borrower has unique financial circumstances that don't always fit into the traditional lending box. That's why we offer a range of  loan products to help brokers serve their clients with diverse financing needs. Our Non-QM loans have flexible underwriting standards that allow us to consider a wide range of borrower circumstances, including self-employment, complex income structures, and unique property types. Choose your series and then choose your product, based on your client's needs. Just review the types and download the matrix!

University Student

HOWARD U

College Friends

HAMPTON U

HOWARD U

PRIME

$150K TO $2M*

*Please see documentation

HOWARD U PRIME EXPANDED

$150K TO $2M*

*Please see documentation

HOWARD U

DSCR

$100K TO $2M*

*Please see documentation

HAMPTON U

NON-PRIME

$150K TO $1.5M

HAMPTON U PRIME EXPANDED

$100K TO $2M*

*Please see documentation

HAMPTON U 

DSCR

$100K TO $2M*

*Please see documentation

PhinanceUS™ offers conforming and non-conforming FNMA and FHLMC transactions.  

Conventional Loans

Happy Family
At PhinanceUS™, we understand that conventional loans are a popular option for many borrowers. That's why we offer a wide variety of conventional loan products to help brokers serve their clients with diverse financing needs. Our conventional loans include fixed-rate and adjustable-rate mortgages, as well as other flexible options to meet the needs of your clients. With competitive interest rates, flexible underwriting standards, and exceptional service, we make it easy for brokers to offer conventional loans to their clients. Whether your clients are purchasing a new home or refinancing an existing one, our conventional loan products can help them achieve their financial goals. By partnering with PhinanceUS™, you can provide your clients with access to innovative financing options that can help them achieve their homeownership dreams. Contact us today to learn more about our conventional loan products and how we can help you better serve your clients.

(888) 585-6264

All information contained herein is for informational purposes only, and while every effort has been made to ensure accuracy, no guarantee is expressed or implied. Any programs shown do not demonstrate all options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. Alpha One Financial, Inc., doing business as PhinanceUS, offers home loans. For license verification, please visit www.nmlscounsumeraccess.org. Located at 4929 Wilshire Boulevard, Suite 1010, Los Angeles, California 90010

© 2023 by PhinanceUS NMLS: 1854440 DRE: 02088927 

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