DomoNova

Loans for Every Buyer

From First-Time Buyers to Investors, we have the right program for you.

Conventional Loans

Flexible loans not insured by the government — great for borrowers with good credit and steady income.

Insured by the FHA — low rates and minimal down payment.

Guaranteed by the VA for military veterans — low interest, no down payment.

Zero down payment loans for eligible rural and suburban homebuyers.

Finance high-value properties above the conforming loan limit.

Principal and interest payments that never change for the life of the loan.

Interest payments that adjust over time with market conditions.

Pay only interest for an initial period — lower payments early on.

203k Renovation Loans

Finance the purchase and renovation of a home in a single FHA loan.

Tap into your home equity with a flexible line of credit.

Reverse Mortgage

Homeowners 62+ can convert home equity into cash with no monthly payments.

Non-QM Loan Programs

Flexible financing beyond traditional guidelines — for self-employed, investors, foreign nationals, and unique profiles.

Min. FICO 620 · Up to 80% CLTV

Close DSCR loans with fast turn times. Credit for DSCR >1.25, no income/employment, short-term rentals up to 80% CLTV.

12/24 Month Bank Statement

No Score or FICO 620 · Up to 90% CLTV

Perfect for self-employed borrowers. Personal, business, or combined bank statements; min. 3 months reserves; concierge income calculation.

Min. FICO 660 · Up to 70% CLTV

For borrowers without an SSN. Super Prime FICO 660 / Prime FICO 700, loan amounts up to $1.5 million.

No Score or FICO 620 · Up to 80% CLTV

For salaried borrowers with no tax returns. Bank statements not required up to 70% LTV; min. 3 months reserves.

Asset Utilization

Min. FICO 620 · Up to 80% CLTV

For borrowers with liquid assets — retirees, investors, self-employed. Qualifying assets / 60 months; loan amounts up to $4 million.

Foreign National DSCR

No Score or FICO 660 · Up to 75% CLTV

Foreign nationals seeking investment properties with minimal documentation. Loan amounts up to $3 million; cash-out allowed.

Min. FICO 660 · Up to 80% CLTV

Easiest alternative for self-employed borrowers. P&L reviewed by licensed CPA/CTEC/IRS enrolled agent; up to $2.5 million.

1Y or 2Y Full Doc Non-QM

No Score or FICO 620 · Up to 90% CLTV

Flexible Non-QM solution for full doc borrowers. Loan amounts up to $4 million; DTI up to 55% owner-occupied.

No Score or FICO 620 · Up to 85% CLTV

Ideal for sole proprietors or contract individuals. 1099s for the last 1 year; 1-year history with same employer; gift funds allowed.

Foreign National Full Doc

No Score or FICO 660 · Up to 75% CLTV

Foreign national borrowers with overseas income. Loan amounts up to $3 million; overseas assets allowed; RON allowed.