Loan Options
Home / Loan Services
What We Offer ?
Mortgages Made Easy, Dreams Made Real
Commercial Loans
We provide nationwide loans for purchasing, refinancing, and construction of commercial properties. Through our affiliate, Closing Systems USA, LLC, we connect you with top lenders to secure the best terms—whether for apartments, warehouses, hotels, or other business-use properties.
- Financing available for Apartment Buildings, Warehouses, Churches, Hotels, and more
- Backed by private lenders, specialty banks, and depository institutions
- Nationwide and case-by-case international brokerage services through Closing Systems USA, LLC
Construction Loans
We offer several flexible construction loan programs to help turn your vision into reality—whether you’re building a home from the ground up or launching a commercial project. From zero-down options for veterans to competitive commercial lending solutions, we’re here to guide you through every step of the process.
- Build on your land or include land purchase with as little as $0 down for eligible U.S. Veterans (VA).
- Construct your dream home with just 5% cash or equity down, including land payoff or purchase.
- Through Closing Systems USA, LLC, we offer commercial loan brokerage services across the U.S. and select international markets—with competitive terms and expert guidance.
VA Loans
We help Veterans and active duty service members access VA Loans with $0 down and no monthly mortgage insurance.
Need your Certificate of Eligibility? We’ll take care of it.
Thank you for your service to our great nation.
- $0 Down Payment – No down payment required for qualified buyers
- No Mortgage Insurance – Save monthly with no PMI
- Flexible Use – Purchase, Refinance, or Rehab your Primary Residence
FHA Loans
FHA loans are backed by the Federal Housing Administration and are ideal for first-time buyers. With just 3.5% down and flexible requirements, they’re a smart choice for purchasing or refinancing a primary home.
- Low Credit OK: Scores as low as 580 accepted; alternative credit may qualify.
- Help with Costs: Gift funds allowed; sellers can cover up to 6% in closing costs.
- Great for First-Timers: Perfect for new buyers—even manufactured homes may qualify.
USDA Loans
USDA Loans are backed by the U.S. Department of Agriculture through its Rural Development Guaranteed Housing Loan Program. Available in eligible rural and some suburban areas, this program offers 100% financing for the purchase or refinance of a primary residence with no down payment required.
- Discounted Interest Rates & Mortgage Insurance
- Eligible for Manufactured Homes
- Seller Can Contribute Up to 6% Toward Closing Costs
Renovation Loans
Whether you’re updating a primary home or enhancing an investment property, 111 Lending offers Renovation (Rehab) Loans through both U.S. Government-Insured programs (FHA 203-K & VA) and Conventional options. Use them for minor cosmetic upgrades or major home transformations—including pools, spas, and room additions.
- FHA 203-K & VA Loans Government-backed options for primary homes.
- Conventional Loans Available for primary, second homes, and investments.
- Extra Savings Lower rates, reduced insurance, and seller-paid costs.
Conventional Loans
Flexible mortgage options with down payments as low as 3%. Great for primary homes, second homes, and investment properties—including options for self-employed buyers.
Conforming and non-conforming options available to fit a variety of income and credit profiles.
- Down payments as low as 3% available
- Ideal for self-employed or non-traditional income buyers
- Can be used for primary homes, second homes, or investment properties
Jumbo Loans
Jumbo Loans exceed the standard loan limits, starting above $647,200.00. These loans are typically used for high-end homes or custom construction. While most lenders cap loans at $2,000,000.00, I’m open to discussing loans above $5,000,000.00.
- Jumbo Loans start above $647,200.00.
- Used for expensive and custom homes.
- Loans over $5,000,000.00 are welcome to discuss.