Conventional Loans
Coldwell Capital’s Conventional Loans provide competitively priced financing for borrowers with standard credit and income documentation. With terms from 10 to 30 years and down payments starting as low as 3%, they’re ideal for buyers seeking predictable payments, lower interest rates, and no private mortgage insurance when you reach 20% equity.
FHA & VA Loans
As an approved FHA and VA lender, Coldwell Capital offers government‑backed programs with low down payments and relaxed credit requirements. FHA Loans let qualified buyers put down just 3.5%, while VA Loans provide eligible veterans and service members zero‑down financing and no ongoing mortgage insurance.
Jumbo Loans
For properties exceeding conforming limits, our Jumbo Loans deliver the funds you need for high‑value purchases or refinances. With competitive interest rates and flexible terms on loan amounts above local caps (e.g., $726,200+), we make luxury home financing accessible to qualified borrowers.
Non‑QM Loans (Bank Statement, P&L)
Coldwell Capital’s Non‑Qualified Mortgage products serve self‑employed professionals and investors who can’t verify income via paystubs. By using bank statements, Profit & Loss statements, or alternative docs, we underwrite loans with flexible criteria and competitive pricing tailored to non‑traditional income streams.
2nd Loans (HELOANs & HELOCs)
Tap into your home’s equity with our second‑lien options: fixed‑rate Home Equity Loans (HELOANs) or revolving Home Equity Lines of Credit (HELOCs). Use funds for renovations, debt consolidation, or investments—with HELOCs offering interest‑only payments during the draw period and HELOANs locking in predictable rates.
Reverse Mortgages
Homeowners aged 62+ can convert equity into tax‑free cash without monthly principal or interest payments through our HECM‑backed Reverse Mortgages. Designed to bolster retirement income, these programs let you access funds while retaining title and residency in your home.
Construction Loans
Our short‑term Construction Loans finance ground‑up builds and major renovations with interest‑only payments during construction. Funds are disbursed in draws tied to project milestones, then you can convert into permanent financing—streamlining your project from dirt to deed.
Hard Money & Bridge Loans
When you need capital fast, our Hard Money and Bridge Loans provide asset‑based, short‑term financing. Perfect for fix‑and‑flip projects, urgent acquisitions, or timing gaps between sale and purchase, these loans offer flexible terms and quick closings—no lengthy bank underwriting required.
Foreign National Loans
Coldwell Capital’s Foreign National programs empower non‑U.S. citizens to purchase or refinance U.S. real estate. With tailored underwriting for international credit profiles and down payments typically starting at 30%, we open doors for global investors seeking U.S. property.
DSCR (Debt‑Service Coverage Ratio) Loans
Our DSCR Loans evaluate eligibility based on a property’s cash flow rather than personal income. Tailored for real‑estate investors, these loans require a minimum DSCR (often 1.0–1.2) and streamline underwriting—so you can acquire or refinance rental properties quickly without extensive income verification.
Commercial Loans
Our Commercial Loan offerings fund income‑producing properties—office, retail, multifamily, and more—based on cash flow and loan‑to‑value ratios. Choose fixed or floating rates, acquisition or refinance options, and customized terms that align with your investment strategy.