Where product diversity, meets local reliable communication, consistency, speed and price.
Product MENU
Product Highlights that your lender probably does not have
This is a work in progress. Please excuse the mess and please look over duplicates and mistakes. I wanted to get this out while it's being perfected because this is very powerful and will help a lot of clients
Raw Land/Lot
Hard Money
90% of 1099 income (Realtor Loan)
0% Conventional Loan
Fix n Flip's
Bridge Loan (12m deferred payments)
Arm Loans
HELOC's - 5m. Approval 5 Day closing
Construction Loans
0% FHA Loans
1% down Conventional Loan
Renovation
Foreclosure Bailouts
Foreign National
ITIN
THDA
Piggy Back
Down to 500 Credit Score's
No Credit Score
Builder Loans
Commercial Loans
Interest Only
Manufactured (Single/Double)
Loan Amounts up to 20 million
HELOC's on Investment Homes
Conventional Loans
30 Yr. Fixed Mortgage (Yeah everyone has this)
40 Yr. Fixed Mortgage
Arm's - Adjustable Rate 3, 5, 7, 10 and 15 Fixed
Name your Term Mortgage ( 5 - 40Yrs)
No MI mortgage (Don't need 20% Down)
3/2/1 Buydown
2/1 Buydown
1/1 Buydown
1/0 Buydown
Interest Only - Popular to save money right now
80/10/10
90/10
1% down Conventional Loans
Conv 0% Down, with 1% towards closing costs
Lower Monthly MI than most anyone in the US
Down to 600 Credit Score on Conventional Loans
Mobile/Manufactured homes
Barndominum
High Balance Mortgages
High Balance Buster - 1st/2nd get's better pricing
Home Helper Shared Equity
Halal Financing Program
Solar Home Financing
Non-Conforming Loans
DSCR ( Debt Service Coverage Ratio)
Bank Statement Loans
Asset Depletion
Short-Term Rental
Blanket Loans ( For multiple properties)
Non-Warrantable
Bridge Loan - (No payments for 12 months)
Jumbo Loans
Loan amounts up to 10 Million
Jumbo Arm Loans 3,5,7,10,15 terms
Interest only loans
High Balance buster - Better pricing with 1st/2nd mtg
10% Down no MI
660 Min FICO
HELOC
HELOC - Home Equity Line of Credit
Fixed 2nd Mortgage's
First Lien HELOC (All in one)
HELOC on Investment/2nd homes (Finally)
Commercial / Out of the box
Commercial Land
Subdivision's
Golf Courses
Marina Financing
Amusement Parks
RV Parks
Mobile Home Parks
Church's
Solar Loans
Locks
Lock your rate before you have a contract (Lock-n-shop)
Lock your rate up to 12 months
Lock your rate and float down before closing
Lock on TBD
Income Programs
Self-Employed Income (1 Yr. Tax Return)
Investor Cash Flow Programs
Physician/Career Professional Loans
Use Rental income immediately to qualify
Asset Depletion (Use current assets as income)
Use your Bank statements instead of tax returns
Debt Service Combine Ratio (Use the investment to qualify)
1099 Income - Qualify on 90% of your 1099 income
Asset Utilization
P&L Only
1099 only
1 Year Self-Employed Option for Licensed Professionals
Cannabis Income
Written Verification of Employment Only
Removal of alimony AND Child Support*
Investors
Blanket Loans ( Buying more than 1 property at a time)
Normal Investment loans)
Use the current rental income to qualify on a property
15% down investment loans
Buy up to 20 Properties without using a commercial loan
Use your trust to buy investments
Short- Term Rentals
Non-Warrantable Condo's
None-Recourse Bridge Loans
HELOC on Investment and Second Homes
Builder / Construction/ Land
One-Time Close
Ground-Up Construction
Raw Land loans (Most mortgage companies don't do these)
Anything from a strip mall to a skyscraper
Blanket investment Loans
Commercial Land
Golf Course
Subdivision Loans
Property Types
Primary
Second Homes
Single Wide Manufactured
Double Wide Manufactured
Non-Warrantable Condos
Condo's
PUD's
Mixed Use
2-4 plex units
Barndominum's
Tiny Homes
Green Properties
Properties with working farms
Short Term Rentals
Subdivision's
Golf Courses
Marina Financing
Amusement Parks
RV Parks
Mobile Home Parks
Condotels
Hobby Farms
FHA Loans
FHA 30 Yr. Fixed
FHA (Name your Term) 5-40 yrs
3/2/1 Buydown
2/1 buydown
0% Down FHA loans
550 Credit Scores for Cash-out Refinance
Down to 500 Credit Score on Purchase
Single Unit Condo Approvals
Spot HOA Approvals
HUD $100 Down Program
VA Loans
VA 30 Yr. Fixed
VA (Pick your term 5 - 30 Yrs)
Manufactured Homes
Up to a 4 plex
VA IRRL's ( Just an easy refinance)
100% LTV up to 1.5 Million
90% LTV up to 2 Million
Down to 500 Credit Score
Max loan amount $5,000,000
VA Renovation Loan
No FICO VA IRRRLS
VA IRRRLS
USDA Loans
USDA 30 Yr. Fixed
Manufactured Homes
Down to 600 Credit Score
USDA Renovation Loan
Other Government Loans
ITIN - Individual Tax Identification Number
Down Payment Assistance
THDA - Tennessee Housing Department Agency
The Housing Fund -
0% Down FHA Loans - I have 3 different Versions
0% Down Conv. Loan - 4% Credit so 1% towards CC
Credit Challanged
FHA down to 500 Credit Score
VA down to 500 Credit score
Conv down to 600 Credit Score
No credit at all loans (Alternative Credit)
only have 2 credit scores? No problem
Renovation Loans
HomeReady & Home Possible
203K Renovation Loans
Home Helper Shared Equity
Fix n Flip
HELOC's up to 90% CLTV
Fixed 2nd Mortgage's
USDA Renovation Loan
VA Renovation Loan
Reverse Mortgage
FHA HECM - Purchase or Refi
What if You had a one stop shop for everything lending related
We have our own money to lend, and I am directly connected 100's of investors nationwide. What that means to you, we have just about any product you can think of, and many you have never heard of. This get's you more deals and paid more than your current lender
That is why this website is so helpful.
You are going to find this page is just a highlight of all that we have, for details on each product, please give us a call or book a meeting below
Want to talk more about all this?
Circle Home Loans LLC. is a DBA of Priority One Lending LLC. a Equal Housing Lender
Corporate Headquarters: 38701 W. Seven Mile Rd. Suite 290 Livonia, MI 48152
Corporate Phone:
(629) 276-5007
Email:
All loans are subject to underwriting or investor approval. Some restrictions may apply. This is not an offer of credit or a commitment to lend. Guidelines and products subject to change. Rates and terms may vary depending upon risk analysis, collateral, and other factors. Call for details and qualifying information.
"you're approved" language is for illustrative purposes only. Dependent on Priority 1's criteria and other factors bearing on your credit worthiness (including acceptable property collateral, income and employment history). Not all applicants will qualify.
Free Refi for life: Terms and Conditions
This offer applies exclusively to first lien mortgage loans originated by Circle Home Loans and does not include subordinate, simultaneous, or HELOC closings. It excludes Brokered loans and Reverse mortgages.
The offer covers Circle Home Loans' retained fees such as origination, underwriting, processing, and administrative fees. It does not apply to discount points or third-party settlement service fees, including but not limited to Title, Settlement, Appraisal, Credit Report, Commissions, or similar fees.
Eligibility requires that the customer must have closed a previous first-lien refinance transaction on or after September 1, 2024, with Circle Home Loans and at least six (6) months prior to any subsequent application. Please note that refinancing your existing loan may increase your total finance charges over the life of the loan.
All applications are subject to underwriting and credit approval. Additional conditions or restrictions may apply. Please contact us for complete details. This offer is available only through the Direct-to-Consumer Division of Circle Home Loans, a division of Priority 1 Lending, LLC, located at 38701 W. Seven Mile Rd, Suite 290, Livonia, MI 48152, NMLS # 1375378.
This offer is not available for consumers in Washington State.
Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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EQUAL HOUSING OPPORTUNITY NMLS ID #1375378 Copyright ©️ 2025 Circle Home Loans, LLC. All rights reserved.