First-time buyers
First-time buyers
A buyer using FHA, a low-down conventional program, or CalHFA on a primary residence.
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Borrowers
Who the loan is actually for.
FHA, conventional, and VA come first. The other doors are for the file those loans do not fit. A rental is not a VA loan. A 5-plus unit building is not an application.
Traditional
FHA, conventional, and VA.
These are the searches this site is built to rank for. The wholesaler overlay is still confirmed on the file.
Conventional
Conventional loans
A W-2 borrower buying or refinancing a primary residence or second home.
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Veterans
Veterans
A veteran buying or refinancing a home they will live in.
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Specialty files
When a traditional loan is the wrong tool.
Investors
Investors
Someone buying or refinancing a 1–4 unit rental where the rent can carry the payment.
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Self-employed
Self-employed
A primary-residence borrower whose deposits are stronger than the tax return.
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Business owners
Business owners
An owner buying or refinancing a house or a 2–4 unit property with business deposits.
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Foreign nationals and ITIN
Foreign nationals and ITIN
An ITIN borrower, or a non-resident buying in California. Those are different loans.
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Seniors
Seniors and home equity
A homeowner using equity, starting with a HELOC or a closed-end second.
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Medical professionals
Medical professionals
A physician or other covered medical license buying a primary residence.
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FAQ
Before you pick a door
Which borrowers does Elite Fundings work with?
FHA, conventional, and VA are the traditional files. Investors, self-employed borrowers, ITIN and foreign-national buyers, physicians, seniors using home equity, and business owners buying a house or a 2–4 unit property each have a door.
Do you originate SBA or 5-plus unit commercial loans?
No. Those pages are guides. We originate houses and 2–4 unit loans.
Is a borrower page a pre-approval?
No. It names the program path. The wholesaler overlay is confirmed on the file.