Loan Programs
From first-time buyers to seasoned investors — CDL Mortgage Services Inc. shops multiple wholesale lenders across seventeen programs to find the structure that actually fits your file.
The classic path to homeownership
Competitive pricing for strong credit profiles, with as little as 3% down for qualified first-time buyers.
Flexible credit, low down payment
Government-backed financing built for buyers with limited down payment or a bruised credit history.
Earned by service
Zero down payment and no monthly mortgage insurance for eligible veterans, active duty, and surviving spouses.
Full Lineup
Lower the payment, tap the equity
Rate-and-term or cash-out refinancing to cut your payment, shorten your term, or put equity to work.
Above the conforming limit
Financing for high-value properties that exceed county loan limits, with tailored underwriting.
Equity on demand
Draw from your home equity as you need it, without disturbing the low rate on your first mortgage.
When the box doesn’t fit
Alternative documentation for self-employed borrowers, investors, and recent credit events.
Qualify on deposits, not tax returns
Built for self-employed borrowers whose write-offs mask their true income.
The property qualifies, not you
Approval driven by rental cash flow — no personal income documentation required.
Rural buying power
No down payment financing for eligible properties in USDA-designated rural areas.
California down payment help
State-backed assistance programs that help California buyers cover down payment and closing costs.
Homeownership without an SSN
Purchase and refinance financing for borrowers using an Individual Taxpayer Identification Number.
Build it your way
Staged draw financing for ground-up builds, with construction-to-permanent options.
Land plus vertical build
Finance lot acquisition and full vertical construction together, with LTC/ARV based leverage and inspected draws.
Blueprints to keys
One-time close construction-to-permanent financing for custom homes and new builds, land included.
Buy, rehab, sell
Short-term rehab financing underwritten on ARV and loan-to-cost, with fast closings and inspected rehab draws.
Income property financing
Multifamily, retail, office, industrial, and mixed-use lending with DSCR-based underwriting.
Speed over paperwork
Asset-based bridge financing when the timeline is short and the equity is there.
Equity into cash, one payment
Replace your mortgage with a larger loan and take the difference in cash for debt, renovations, or investing.
Manufactured home lending
Financing for manufactured and mobile homes, with or without owning the land.
How It Works
A licensed loan officer reviews your goals, credit, and timeline — no call center.
We shop multiple wholesale lenders and hand you a pre-approval you can shop with.
One point of contact from underwriting through funding, with updates at every stage.