What We’re Offering for Homebuyers
Loan Programs
At Torres & Co. Lending LLC, we provide a wide range of mortgage solutions designed for every stage of homeownership — whether you’re buying your first home, upgrading, refinancing, investing, or planning for retirement.
First-Time Homebuyer Programs
Special programs with low down payments and flexible guidelines.
Conventional Loan Solutions
Trusted programs for buyers with strong credit and stable income.
Other Conventional Fixed and ARM Loan Options
Choose between stable payments or adjustable rates to fit your budget.
FHA Loan Solutions
Flexible, government-backed programs designed to expand homeownership.
FHA Energy Efficient Mortgage (EEM)
Adds funds for energy-saving home improvements to your FHA loan.
FHA Graduated Payment Mortgage (GPM)
Offers lower initial payments that gradually increase over time.
HUD-Owned Homes (203(b) or 203(k) with Repair Escrow)
Financing options for purchasing HUD-owned properties, including repair escrows.
FHA 203(b) | Standard FHA Loan
Standard FHA loan for primary residences with low down payment requirements.
FHA Streamline Refinance
Fast, hassle-free refinancing for current FHA borrowers with minimal documentation and reduced costs.
VA Loan Solutions
Exclusive benefits for veterans, active-duty service members, and eligible spouses.
VA IRRRL (Interest Rate Reduction Refinance Loan)
Simple refinance option to lower VA loan payments.
VA Purchase Loan
Exclusive benefits for veterans and active-duty service members, offering zero down payment and competitive rates.
USDA Loan Solutions
Government-backed USDA mortgage options designed to make rural homeownership more accessible.
Jumbo Loan Solutions
Financing for high-value properties above conforming loan limits.
Jumbo for Second Homes & Investment Properties
Designed for secondary residences or investment properties.
Non-QM Loan Solutions
Designed for self-employed, investors, and borrowers outside traditional guidelines.
Asset Depletion / Asset-Based Loans
Uses personal or business assets to demonstrate repayment ability.
1099 Income Loans
Tailored for independent contractors and gig workers, using 1099 forms to verify income and secure financing.
Bank Statement Loans
Perfect for self-employed borrowers, using personal or business bank statements instead of tax returns to qualify.
DSCR (Debt Service Coverage Ratio) Loans
Investor loans based on property income, not personal income.
Foreign National Loans
Designed for international buyers investing in U.S. real estate, with options tailored to non-resident borrowers.
Refinance Programs
Smart options to lower payments, access equity, or restructure your loan.
Reverse Mortgages
Tailored for homeowners 62+, turning equity into income while staying in your home.
Down Payment Assistance Programs
Helping first-time and qualifying buyers bridge the gap with grants and forgivable loans.
State Housing Finance Programs
State Housing Finance Programs (Florida Housing, Kentucky Housing, etc.) State Housing Finance Programs are special loan and assistance…
Specialty Loan Solutions
Unique programs for specific financial or investment needs.
Home Equity Loan (HELOAN) & Home Equity Line of Credit (HELOC)
Fixed-rate loan that lets you borrow against your home equity.
Bridge Loans
Short-term financing that helps you buy a new home before selling your current property, ensuring a smooth transition.
