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Programs

Structured for
your situation.

Modern architecture

Each engagement begins with a detailed assessment of your financial profile. The program selection follows, never the other way around. Available through Kasa Lending's wholesale network.

FHA

FHA

Government-backed financing with down payments from 3.5%. Built for first-time buyers and those rebuilding credit.

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Conventional

Conventional

Competitive fixed and adjustable terms from 3% down. The benchmark for qualified borrowers.

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VA

VA

Zero down. No PMI. Exclusive to veterans, active-duty service members and eligible surviving spouses.

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USDA

USDA

Zero down for eligible rural and suburban properties. Income and location requirements apply.

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Jumbo

Jumbo

For properties exceeding conforming loan limits. Flexible terms for high-value purchases.

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Bank Statement

Bank Statement

Qualify using 12-24 months of bank statements. Designed for self-employed borrowers.

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DSCR

DSCR

For investors. Qualify based on rental income rather than personal income.

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Asset Depletion

Asset Depletion

Qualify using liquid assets instead of traditional income documentation.

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P&L / 1099

P&L / 1099

Use profit & loss statements or 1099 forms. Ideal for independent contractors.

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VOE Only

VOE Only

Verification of employment only. No tax returns or bank statements required.

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ITIN

ITIN

Financing for ITIN holders. Homeownership is possible regardless of immigration status.

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Refinance

Refinance

Lower your rate, reduce payments, or tap equity. Cash-out and rate-and-term options available.

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