Torres & Co. Lending https://validator.w3.org/feed/docs/rss2.html HomeOne Home Bridge Loans 40-Year Fixed or Hybrid Loans Home Equity Loan (HELOAN) & Home Equity Line of Credit (HELOC) Commercial Lending Hard Money Loans Properties in Poor Condition Forgivable Second Mortgages & Grants Employer-Assisted Homeownership Programs Local Municipality Assistance Programs HECM for Purchase HECM (Home Equity Conversion Mortgage) HECM Line of Credit Rate-and-Term Refinance Cash-Out Refinance Streamline Refinance (FHA & VA) Conventional-to-Conventional Refinance DSCR (Debt Service Coverage Ratio) Loans ITIN Loans Foreign National Loans Bank Statement Loans 1099 Income Loans Asset Depletion Loans P&L (Profit & Loss Statement) Loans No-Ratio / Stated Income Loans Asset Depletion / Asset-Based Loans Adjustable Rate Jumbo (ARM) Fixed Rate Jumbo Jumbo Construction Loan Asset-Based / Asset Depletion Jumbo Loan Jumbo for Second Homes & Investment Properties Super Jumbo Loans USDA Purchase Loan USDA Streamline-Assist Refinance VA Cash-Out Refinance VA IRRRL (Interest Rate Reduction Refinance Loan) VA Purchase Loan FHA Streamline Refinance FHA 203(b) | Standard FHA Loan HUD-Owned Homes (203(b) or 203(k) with Repair Escrow) HomeReady Home Possible FHA Cash-Out Refinance FHA 203(k) | Renovation Loan FHA Manufactured & Mobile Home Loan FHA Energy Efficient Mortgage (EEM) FHA Graduated Payment Mortgage (GPM) Standard 95% LTV Loan Other Conventional Fixed and ARM Loan Options