Flexible Terms to Fit Your Needs One of the biggest advantages of conventional loans is the flexibility in loan terms. Whether you’re looking to pay off your home quickly or stretch payments over a longer period, conventional financing can be structured to fit your plan.
This mortgage option is ideal for borrowers with solid credit, stable income, and a manageable level of debt. Because it’s not government-insured, conventional loans can offer competitive interest rates and a variety of loan structures to suit your financial goals. Whether you’re purchasing your first home, upgrading, or refinancing, conventional financing gives you control, flexibility, and competitive rates.
Backed by the Federal Housing Administration (FHA), this loan program is designed to make homeownership more accessible - especially for first-time buyers or those with less-than-perfect credit.
With an FHA loan, you can purchase a home with as little as 3.5% down, making it one of the most affordable paths to owning a home.
Why Choose an FHA Loan?
This program is perfect for buyers who have steady income but might not have a large amount saved for a down payment. With FHA financing, your dream of homeownership is within reach - sooner than you might think.
The VA loan is a powerful mortgage option exclusively for eligible veterans, active-duty service members, and certain members of the National Guard and Reserves.
Backed by the U.S. Department of Veterans Affairs, this loan program offers 100% financing, meaning no down payment is required - a rare and valuable benefit in today's market.
Why Choose a VA Loan?
Whether you’re buying your first home or refinancing your current one, the VA loan honors your service with unmatched home financing benefits.
Jumbo loans are designed for properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In most areas, that means borrowing more than $766,550 (as of 2024), though limits can be higher in certain high-cost markets.
Because of the larger loan amounts and increased risk to lenders, Jumbo loans come with unique qualification standards - but also the flexibility to finance luxury homes, investment properties, or high-value primary residences.
Why Choose a Jumbo Loan?
If you're in the market for a high-end home or simply need more borrowing power, Jumbo financing gives you the flexibility and freedom to move forward with confidence.
Non-QM Loans - Flexible Financing Beyond Traditional Guidelines
Not every borrower fits into a traditional lending box - and that's where Non-QM (Non-Qualified Mortgage) loans come in.
Non-QM loans are designed for borrowers who may not meet the strict income or documentation requirements of conventional loans but still have the ability to repay. Whether you’re self-employed, an investor, or a foreign national, Non-QM loans offer flexible and creative solutions to help you qualify.
Explore Our Non-QM Loan Programs:
Loan Titan Private Money Loans, also known as Hard Money Loans, are a flexible, fast solution - especially for investors and property flippers.
Unlike conventional loans that rely heavily on your credit score and income documentation, LT Private Money Loans are asset-based, meaning the decision is primarily made based on the property’s value and potential - not your personal financials.
Why Choose a Private (Hard) Money Loan?
Whether you're buying, refinancing, or pulling cash out of an investment property, Private Money Loans give you the speed, flexibility, and leverage to act fast and scale your portfolio.
Construction Financing - Build Your Vision from the Ground Up
Whether you’re constructing your dream home, developing an investment property, or launching a ground-up build, Construction Financing provides the funding you need to bring your project to life - step by step.
Unlike traditional mortgages, construction loans are designed specifically to finance the cost of building a home or property, covering everything from land acquisition to materials and labor.
Why Choose Construction Financing?
Who It’s For:
Whether it's a single-family home, a multi-unit build, or a new development, Construction Financing helps you go from blueprint to reality - on your terms and timeline.
Unlock Your Home's Value with a HELOC or HELOAN
Need cash for renovations, debt consolidation, investments, or major expenses? Tap into the equity you've built in your home with a HELOC (Home Equity Line of Credit) or a HELOAN (Home Equity Loan) - two smart, affordable ways to access funds without selling or refinancing your property.
HELOC - Flexible, Revolving Access to Your Equity
A Home Equity Line of Credit (HELOC) works like a credit card - giving you a revolving line of credit you can draw from as needed, only paying interest on what you use.
HELOAN - One-Time Lump Sum with Fixed Terms
A Home Equity Loan (HELOAN) is a fixed-term, fixed-rate loan that allows you to borrow a lump sum against your home’s equity - ideal for one-time expenses or debt consolidation.
Why Tap Into Your Home Equity?
Whether you prefer the flexibility of a HELOC or the stability of a HELOAN, both options can turn your home's equity into opportunity.
If you’re a homeowner aged 62 or older, a Reverse Mortgage can help you tap into your home's equity to supplement retirement income, eliminate monthly mortgage payments, or fund long-term financial goals - all while continuing to live in your home.
Unlike traditional loans, with a reverse mortgage, the lender pays you - either through monthly payments, a lump sum, a line of credit, or a combination of all three.
How Does a Reverse Mortgage Work?
A reverse mortgage allows you to convert a portion of your home's equity into tax-free cash. The loan is repaid when you sell the home, move out permanently, or pass away. Until then, you retain full ownership of your property.
Key Benefits:
Is a Reverse Mortgage Right for You?
This loan option is ideal for seniors who:
If you’re looking for a way to enhance your lifestyle or gain financial peace of mind in retirement, a Reverse Mortgage might be the right move.
