Mortgage Programs That Fit You
From conventional loans to specialty programs for investors and self-employed borrowers — competitive rates, fast closings, and expert guidance at every step.
How It Works
From application to closing — here's what to expect when you finance with BluEleven.
Apply Online
Complete our quick application or call to speak with a loan officer.
Get Pre-Approved
We review your profile and provide a pre-approval letter within 24 hours.
Submit Documents
Upload required docs securely through our portal for underwriting review.
Appraisal & Title
We order the appraisal, coordinate title, and clear conditions for closing.
Close & Fund
Sign your loan documents and receive funding — as fast as 7 days.
Documents Checklist
What you'll need depending on your loan program. Not all documents are required for every program.
Income Verification
- W-2 forms (last 2 years)
- Recent pay stubs (30 days)
- Federal tax returns (2 years)
- 1099 forms (if applicable)
Asset Documentation
- Bank statements (2-3 months)
- Investment account statements
- Retirement account statements
- Gift letter (if applicable)
Identity & Credit
- Government-issued photo ID
- Social Security number
- Authorization for credit pull
- Explanation letters (if needed)
Property Documents
- Purchase contract (if buying)
- Property insurance quotes
- HOA documents (if applicable)
- Rental agreements (DSCR)
Self-Employed Docs
- 12-24 months bank statements
- CPA-prepared P&L statement
- Business license
- Business tax returns
Refinance Specific
- Current mortgage statement
- Current homeowner's insurance
- Recent property tax bill
- Payoff statement
Conventional
Fixed-rate conforming loans for purchase or refinance with competitive terms and no PMI options.
- Credit scores from 660
- LTV up to 89.99%
- Primary, second home & investment
- Cash-out up to $500K
Jumbo
High-balance loans above conforming limits for luxury properties and high-cost markets.
- Loan amounts up to $3M
- Credit scores from 660
- Primary & second homes
- No PMI options available
Bridge Financing
Short-term loans that close in 3-7 days for time-sensitive transactions and quick liquidity.
- Close in as little as 3 days
- Short-term second mortgages
- Buy before you sell
- Flexible qualification
Asset Utilization
Qualify using liquid assets divided by 60 months. Ideal for retirees and high-net-worth individuals.
- Credit scores from 660
- LTV up to 80%, up to $3.5M
- No DTI qualification option
- Retired borrowers welcome
DSCR Program
Qualify based on property cash flow. No personal income or employment verification required.
- Credit scores from 660
- Up to $2.5M, 1-4 units
- Vest in LLC or corporation
- AirBnB / short-term rental OK
DSCR 5-9 Unit
Multi-family property loans for business-purpose borrowers with flexible terms.
- Credit scores from 680
- Up to $2M, LTV up to 75%
- Vest in LLC or corporation
- Interest-only options
Bank Statement
Use 12-24 months of personal or business bank statements instead of tax returns.
- Credit scores from 620
- LTV up to 90%, up to $3.5M
- No W-2s or tax returns needed
- Interest-only options available
P&L Only
No bank statements needed. Qualify using a CPA-prepared profit and loss statement.
- PTIN allowed
- P&L reviewed — not filed
- 12 months self-employment
- Freelancers & gig workers
FHA Loans
Government-backed mortgages with low down payments and flexible credit requirements for all buyers.
- Down payment as low as 3.5%
- Lower credit score requirements
- First-time homebuyer friendly
- Streamline refinance available
VA Loans
Exclusive benefit for eligible veterans and active-duty service members with zero down payment.
- $0 down for eligible veterans
- No private mortgage insurance
- Competitive interest rates
- VA IRRRL refinance available
HELOC
Flexible revolving line of credit secured by your home equity, available when you need it.
- HELOC up to $3.5M
- CLTV up to 85% (primary)
- Draw funds as needed
- Investment properties eligible
Second Mortgage
Stand-alone second lien mortgage for a lump-sum payout against your existing home equity.
- Second lien up to $1M
- CLTV up to 85% (primary)
- Fixed lump-sum disbursement
- Investment properties eligible
Frequently Asked Questions
Common questions about our mortgage programs and the lending process.
Ready to Apply for a Mortgage?
A loan officer will reach out within 24 hours with a personalized rate quote and program recommendation tailored to your situation.
Secure & confidential — takes less than 2 minutes
Powered by BluEleven Capital Corporation · NMLS #2461187 · Licensed by the California Department of Financial Protection and Innovation. Equal Housing Opportunity. All loan programs subject to credit approval and property eligibility. Rates, terms, and conditions are subject to change without notice. Not a commitment to lend.