Every path to financing, under one strategy.
We work with multiple lenders and program types, so the plan gets built around your situation — not the other way around. Browse by what you're trying to do, or by program type below.
What are you trying to do?
Purchase
Financing to buy your next home — first-time or fifth-time.
Refinance
Replace your current mortgage with new terms, rate, or structure.
Bridge Loan
Buy your next property before your current one sells.
HELOC
A revolving line of credit secured by your home's equity.
Second Mortgage
An additional loan against your equity, alongside your first.
Find the program that fits.
Conventional
Fannie Mae / Freddie MacLoans that follow Fannie Mae and Freddie Mac guidelines. Typically the strongest terms available for borrowers with solid credit and fully documented income.
FHA
Government-backedGovernment-backed financing with lower down payment and credit requirements — a common fit for first-time buyers.
VA
Veterans & service membersGovernment-backed loans for eligible veterans and active-duty service members, often with no down payment required.
Non-QM
Alternative documentationLoan programs built outside standard qualified-mortgage guidelines — for borrowers whose income, credit, or property doesn't fit a conventional box. AIM Lending has access to the full range of Non-QM options on the market, detailed below.
Every Non-QM option, in plain terms.
Bank Statement Loan
For self-employed borrowers — qualify using personal or business bank statement deposits instead of tax returns.
DSCR Loan
For investment properties — qualify based on the property's rental income rather than your personal income.
Asset Depletion / Asset Utilization
Qualify using liquid assets — savings, investments, retirement accounts — converted into a qualifying income figure.
P&L Only Loan
Qualify using a CPA- or tax-preparer-signed profit & loss statement instead of full tax returns.
1099 Income Loan
For contractors and gig-economy earners — qualify using 1099 earnings instead of W-2s.
ITIN Loan
For borrowers without a Social Security number, using an Individual Taxpayer Identification Number.
Foreign National Loan
For non-U.S. citizens purchasing property in the U.S. without U.S. credit history or residency.
Interest-Only Non-QM
Lower initial payments with an interest-only period before principal payments begin.
Non-Prime / Recent Credit Event
For borrowers with a recent bankruptcy, foreclosure, or short sale who don't yet qualify for conventional financing.
Jumbo Non-QM
Loan amounts above conforming limits, underwritten with alternative documentation.
Non-Warrantable Condo Loan
For condos that don't meet conventional warrantable-condo guidelines.
Hard Money / Private Lending
Asset-based, short-term financing from private capital — approved primarily on the property's value rather than personal income or credit.
Ground-Up Construction
Financing to build a new property from the ground up, with funds released in stages as construction progresses.
Fix & Flip — Financed Construction
Purchase and renovation costs financed together, with funds released as rehab work is completed.
Fix & Flip — Non-Financed Construction
Purchase-only financing for investors who are covering renovation costs themselves.
Land Loans
Financing to purchase raw or unimproved land, ahead of any construction plans.