Loan Services
Competitive financing solutions for qualified clients — residential, commercial, construction, and investment property lending tailored to your goals.
Loan Products We Offer
Access to a broad suite of lending solutions for clients who meet our qualification criteria.
Residential Purchase Loans
Conventional, FHA, VA, and jumbo mortgage products for primary residences and second homes.
Refinance & Cash-Out
Rate-and-term refinancing or cash-out programs to leverage your equity for improvements, investments, or debt consolidation.
Construction Loans
Short-term financing for ground-up residential and commercial construction projects with draw schedules tied to completion milestones.
Commercial Real Estate
Long-term and bridge financing for office, retail, multifamily, industrial, and mixed-use commercial properties.
Investment Property Loans
DSCR loans, portfolio lending, and fix-and-flip programs for real estate investors at every scale.
Bridge & Hard Money
Fast-close bridge financing and hard money solutions for time-sensitive acquisitions and value-add projects.
Do You Qualify?
Loan services are available to clients who meet our qualification criteria. Here's what we look at.
Credit Profile
Minimum 620 FICO for most residential programs; 680+ preferred for commercial and investment products.
Income Documentation
W-2, self-employed (2 years), or bank statement programs available. DSCR options for investors.
Down Payment / Equity
3.5%–25% depending on loan type, property use, and program selected. Gift funds accepted on select programs.
Debt-to-Income Ratio
Generally 43–55% DTI maximum, program dependent. Asset-depletion calculations available.
Consulting Client Priority
Active Affirm Consult consulting clients receive priority loan processing and preferred program access.
Property Eligibility
1–4 unit residential, 5+ multifamily, commercial, mixed-use, land, and construction — US-based properties.
From Application to Closing
Pre-Qualification
Quick assessment of your credit, income, and assets to identify available programs and estimated terms.
Formal Application
Complete application submission with supporting documentation — guided by your Affirm loan advisor.
Processing & Underwriting
Our team manages appraisal ordering, title coordination, and underwriter communication on your behalf.
Clear to Close
Final approval issued. We walk you through closing disclosures and coordinate a smooth settlement.
📋 Important Loan Disclosures
Loan programs and rates are subject to change without notice and are contingent on creditworthiness, property type, loan amount, and prevailing market conditions. All loan applications are subject to underwriting approval. Not all applicants will qualify. Terms and conditions apply.
Affirm Consult LLC acts as a consulting and loan advisory firm. Loans are originated through licensed lending partners. Affirm Consult is not a licensed mortgage lender or broker in all states. Licensed where required. NMLS ID information available upon request.
This is not a commitment to lend. Equal Housing Opportunity Lender. Please review all loan documents carefully prior to signing. For questions, contact us at contact page.
Ready to Get Pre-Qualified?
Take the first step toward your financing goals. Our loan advisors are ready to review your situation and identify the best program for you.