See Which Mortgage Programs You Qualify For 
Take My 60-Second Quiz ⬇️


(800) 826-5077

Mortgages Quiz

Cambridge Home Loan 
Need Help? Call Us Directly

real estate loan


30 Minute Pre-Approvals

We’ll open with a discovery process – we want to know about you, your goals, and your ideal home scenario.  Buying a home should not be a one size fits all process.

Best Mortgage Rates

Together we’ll review multiple loan scenarios and look at the short term and long term cost of each. This allows you to make an educated decision for you and your family.


Our automated systems ensure that you never have to wonder what is going on with your loan application.  Our Concierge Mortgage Program is 2nd to none.

Here is a list of just some of the home loans available from

1. FHA Loans (Federal Housing Administration Loans):Insured by the FHA, these loans offer low down payment options, making homeownership more accessible. Benefits: Ideal for first-time homebuyers, FHA loans provide a lower down payment requirement, facilitating entry into the real estate market.

2. Conventional Loans: Standard mortgage loans not backed by a government agency, often requiring a higher credit score and down payment.  Benefits:  Conventional loans are suitable for homebuyers with solid credit and financial stability, offering flexibility in property types and terms. Starting at 5% Down!

3. VA Loans (Veterans Affairs Loans):- Available to eligible veterans, active-duty service members, and surviving spouses, offering favorable terms and no down payment. Benefits of a VA loan: A great option for military personnel, VA loans provide the opportunity to purchase a home with no down payment, making homeownership more accessible.

4. USDA Loans (United States Department of Agriculture Loans): Designed for rural and suburban homebuyers, offering low to no down payment options. Benefits: nearby rural areas may qualify for USDA loans, providing a pathway to homeownership with favorable terms.

5.Jumbo Loans: – Mortgages that exceed the conforming loan limits set by government-sponsored enterprises, suitable for high-value properties. Jumbo Loan Benefits: Ideal for luxury properties, jumbo loans accommodate larger loan amounts, allowing buyers to finance higher-end homes. No Doc and Low Doc loans for self employed borrowers including P&L only and Bank Statement only home loans. 

6. First-Time Homebuyer LoansVarious loan programs specifically tailored to assist individuals purchasing their first home. Benefits of a first time home loan: First-time homebuyer loans often come with low down payments and favorable terms, supporting residents entering the housing market.

7. Foreign National Loans: Allow for foreign nationals including ITIN and resident aliens to purchase a home with a mortgage loan.

8. Non-QM Loans : Non-QM Loans including Bank Statement Loans, P&L Only Loans, Foreign National and DSCR Loans. These loans allow for limited documentation and in some cases have no income or tax return requirements. 

When exploring home loans, it’s crucial for potential buyers to consider their financial situation, goals, and the specific benefits offered by each loan type. Additionally, contacting a mortgage professional at can provide personalized guidance based on individual circumstance.

Ground Up Construction: For Investors, Developers and Home Buyers.  We have multiple loan programs from a 1000 home PUD  to a spec home and ground up construction loans for home owners. For investors and developers APPLY HERE! For home borrowers looking for a ground up construction loan Click Here!

Investment Loans

Hard Money Rehab Loan: Fix and Flip Loans

Fix and flip loans are used when a real estate investor uses an investor rehab loan to quickly secure a distressed real estate property, receive funding for the repairs, and get the property back listed on the market. 

At we can provide up to 90% of the purchase price and 100% of the renovation costs to fix and flip investors 

Buy, Rehab, Rent, Refinance (BRRR Strategy) 

Our hard money lending program is designed with a special emphasis on the Buy, Rehab, Rent, Refinance (BRRR) strategy to aid real estate investors. Just like our flip loans and construction loans, we extend funding for the acquisition and refurbishment of the property. However, the unique aspect here is that instead of selling the property for a profit, the investor chooses to retain it as a cash generating rental property. This can be traditional rental or even Airbnb, for which we also offer short-term rental financing. 

DSCR Loan: Up to 85% on a purchase and 80% on Refinance or Cash out refinance.  We offer a DSCR long term 30 or 40 year loan. 


Multi Family Loans  / Mixed Used Loans 

Our program consists of minimal down payment for multifamily apartment real estate investors looking for apartment rehab loans. We do not have a DSCR requirement for our multifamily rehab loans. Up to 85% LTC, 90% CLTV and 100% of rehab funds. This exclusive loan program for apartment buildings provides you with the flexibility and leverage to profit on Multifamily & Mixed-use investment opportunities that may need rehab or low occupancy. We also offer a 30-year loan program for investors looking to cashflow their property long term. 

Commercial Property Loans 

We provide private commercial hard money loans for commercial real estate investors. We provide loans up at 75% LTV for our commercial bridge loans and commercial rehab loans. We offer 70% LTV and 80% CLTV on our long term commercial hard money loans at a 30-year amortization with a 30 year term. A commercial hard money loan is a good alternative to traditional bank financing when time is of the essence or borrowers don’t meet traditional guidelines for whatever reason. 

Airbnb Financing 

Airbnb Loans / Short Term Rental Loans: We provide our buy at property. 30-year fix rate up to 80% LTV. We know the struggle with financing for Airbnb properties that is why we came up with this loan option for Airbnb hosts! Buying a house for short term rental to place on Airbnb or VRBO is easy with

Copyright ©2021 Cambridge Home Loans

All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Pre-Qualification Disclaimer: Our partners’ pre-qualification form is a self-assessment tool to determine whether your business may be qualified for the application process, and is not an application for, nor a guarantee of credit. A completed application must be provided for underwriting review before a loan decision can be made. This page does not in any way promote any mortgage or auto loans, and it does not contain any type of credit card applications. It also does not affect your credit score.
APR interest rates can range from 2.2% and is largely dependent on your personal current situation, including but not limited to credit rating and history, your monthly salary, and your debt to income ratio.
All Products FHA, First Time Home Buyer Programs 3% Down, Conventional, Jumbo Non QM (Statement, Limited Doc Programs)
Easier and faster than depository bank or credit union! 
Nationwide, USA!