Conventional Loan
Tailored mortgage solutions for buyers with established US credit.
Foreign National & Hard Money Loans
Custom financing for non-US residents and rapid solutions for property investors.
Foreign National Loan
Qualifications
- Valid passport & US visa (e.g., B1/B2)
- Proof of stable income from home country
- US bank account
- Minimum 20-30% down payment
- No US credit history required
Required Documents
- Copy of Passport and Visa
- 2 months of bank statements
- Income verification
- Proof of assets for down payment
- Signed property purchase agreement
Hard Money Loan
Qualifications
- Property as collateral
- Higher down payment (25-35%)
- Based on property value, not credit score
- Clear exit strategy (sell or refinance)
- Fast funding for deals
Required Documents
- Loan application
- Purchase agreement
- Property appraisal
- Proof of funds for down payment
- Remodeling plan (if applicable)
Foreign National / Hard Money Inquiry
Easy Doc Loan Program
Simplified documentation loans for self-employed individuals and those with non-traditional income.
Easy Doc Loan (Low Documentation)
Best For
- Self-employed individuals, freelancers, and small business owners.
- Borrowers with high assets but less documented income.
- Individuals with income that is difficult to verify with traditional tax returns.
Key Qualifications
- Good to excellent credit score is typically required.
- Larger down payment (often 20% or more).
- Proof of income through alternative documentation.
Required Documents (Alternative Options)
- **12-24 Months of Bank Statements:** The most common method, showing consistent deposits as proof of income.
- **Profit & Loss (P&L) Statement:** Often prepared by the applicant or a CPA.
- **Asset Depletion/Qualification:** Using verified liquid assets to qualify for the loan.
- **CPA Letter:** A letter from a certified public accountant verifying income.
Easy Doc Loan Quick Inquiry
Inquiry NowAbout URIbank.com
Since 1988, URIbank.com has been a cornerstone of the California mortgage industry,
built on a foundation of integrity, expertise, and an unwavering commitment to our clients.
Licenses: DRE #01125559 | NMLS #354579
Understanding Your Mortgage Options
Mortgage Broker vs. Traditional Bank
When seeking a mortgage, you typically have two main avenues: a traditional bank or a mortgage broker. Understanding the difference can significantly impact your loan experience and terms.
- Traditional Banks: Offer loans directly from their own portfolio. You are limited to the specific products and rates offered by that single bank. The process can sometimes be slower due to internal bank procedures.
- Mortgage Brokers (like URIbank.com): Act as an intermediary between you and multiple lenders (banks, credit unions, wholesale lenders). We shop around on your behalf to find the best rates and terms from a wide array of options, potentially saving you time and money. We can also provide more specialized solutions for unique situations.
**Benefit of a Mortgage Broker:** As a broker, we work for *you*, not for a single bank. Our goal is to find the most suitable loan that fits your specific financial situation and goals, often accessing rates and programs you wouldn't find by going to just one bank.
Retail Mortgage Bank vs. Wholesale Mortgage Lender
In the U.S. mortgage system, understanding how different lenders operate can clarify the process:
- Retail Mortgage Banks: These are banks you can walk into or directly apply to (e.g., Chase, Wells Fargo, Bank of America). They originate and often service loans directly to consumers through their own loan officers.
- Wholesale Mortgage Lenders: These lenders do not directly deal with the public. Instead, they work exclusively with mortgage brokers (like URIbank.com). They offer a wide range of loan products at competitive rates to brokers, who then pass these options on to their clients.
URIbank.com, as a mortgage broker, partners with a network of both retail banks and, crucially, a vast number of wholesale mortgage lenders. This allows us to offer you a broader spectrum of loan products and highly competitive rates that you might not access directly through a single retail bank, giving you a significant advantage in the U.S. mortgage market.
Mortgage Calculator
Estimate your monthly mortgage payments.