Specialty Mortgages: DSCR Loans and More

At Quaint Oak Mortgage, we recognize the importance of offering a range of specialty lending products that cater to unique scenarios. Our specialty loans encompass DSCR loans, PHFA loans, jumbo loans, bank statement loans for self-employed borrowers, and renovation loans. 

Our team of experienced mortgage bankers will work with you to identify which loan option best suits your needs. Whether you are purchasing a new property, refinancing, or renovating, Quaint Oak Mortgage is committed to making your mortgage lending journey a success.

Debt Service Coverage Ratio – DSCR Loans

The DSCR loan program is a preferred option for borrowers seeking to purchase or refinance a residential property that is used for business purposes. Specifically designed for investors, the DSCR loan program allows you to utilize the actual or potential rental income from the subject property as a qualifying factor. With a DSCR loan, no additional income verification is required apart from that generated by the property itself.

If you are an experienced investor or exploring investment opportunities for the first time, our team is here to help.

Business person signing a DSCR loan
Couple high fiving with moving boxes in hand after being approved for a pennsylvania housing authority loan

Pennsylvania Housing Finance Authority (PHFA) Loans

Quaint Oak Mortgage is a trusted partner of the Pennsylvania Housing Finance Authority (PHFA). Through this partnership, we are proud to offer affordable housing loans to residents in the state of PA. With PHFA loans, qualifying borrowers have access to special financing options that can make homeownership more attainable and affordable.

As a leading mortgage lender specializing in PHFA loans, Quaint Oak Mortgage has a team of experienced professionals who are well-versed in the intricacies of these loan programs. If you are considering a PHFA loan for your home purchase or refinancing needs, reach out to our mortgage team for more details

Jumbo Mortgage Loans: Premium Property Solutions

Jumbo mortgage loans are specifically designed to exceed the standard conforming loan limits. If you are a buyer in search of financing for a higher-priced property, a jumbo mortgage loan might be the ideal solution for you. At Quaint Oak Mortgage, we specialize in working with customers who are purchasing premium properties and require the necessary funds provided by jumbo mortgage loans to turn their homeownership goals into reality.

Large lake house on edge of lake financed with a jumbo mortgage loan from Quaint Oak Mortgage
Woman smiling in front of laptop after being approved for a bank statement mortgage loan

Bank Statement Mortgage Loans

Bank statement mortgage loans are a popular lending solution for buyers with atypical income. If you are a self-employed or 1099 contract worker, providing traditional financial documents to prove your earnings can be challenging. However, a bank statement mortgage loan offers a viable solution by utilizing your bank statements as evidence of income. 

By leveraging our expertise in bank statement mortgage loans, we can guide you through the application process and secure the financing you need. 

Renovation, Restoration, and Repair Loans

Whether you are looking to renovate your kitchen, restore an older home, build an addition to your current property, or make repairs, Quaint Oak Mortgage can help you find a renovation loan option to meet your needs. Including FHA 230k loans and Fannie Mae HomeStyle loans, our mortgage bankers will compare your loan options to transform your house into the home of your dreams. 

Couple with blueprint planning home renovations with a renovation loan from Quaint Oak Mortgage

DSCR Loans, PHFA Loans, and Other Loan Options with Quaint Oak Mortgage

At Quaint Oak Mortgage, we take pride in being your trusted lender for DSCR loan programs, jumbo loans, and other specialty mortgage options. Our dedicated team is fully equipped to assist you in navigating the mortgage selection process, ensuring that you find the perfect loan to meet your unique needs. Contact a member of our team to get started today.