Your path to homeownership starts here.

When others say no, we say yes.

Aerial view of a suburban neighborhood featuring houses, streets, and green spaces under a clear blue sky

A Real Path to Homeownership

SWE Lending’s Residential Loans help families and individuals who may not qualify with traditional banks. With flexible guidelines, fast approvals, and common-sense underwriting, we make homeownership possible for borrowers facing credit challenges, unique income situations, or limited documentation.

What You Can Do

Our Residential Loans support owner-occupied home purchases, including:

  • Single-family homes
  • Condos & townhomes
  • 2–4 unit properties (borrower occupies one unit)

We match financing options to your financial situation, making the process supportive and straightforward from application to closing.

Why Borrowers Choose SWE

  • Flexible underwriting
  • Fast approvals
  • No minimum credit score
  • Experienced team supporting first-time and returning buyers
  • Direct in-house lending for faster closings

Loan Highlights

  • Up to 80% LTV
  • Flexible payment options
  • Eligible Property Types: Single family, condos, townhomes, owner-occupied 2–4 units
  • No strict minimum or maximum property value—must support LTV guidelines

Simple 5-Step Process

  • 1 Consultation
    Review goals, income, and property details with your Loan Originator.
  • 2 Application
    Complete a simple application—no complicated forms.
  • 3 Document Review
    Provide ID, income proof, bank statements, purchase contract, etc.
  • 4 Approval & Terms
    We review the full financial picture and issue personalized loan terms.
  • 5 Closing & Funding
    Close smoothly and move into your new home.

Funding timeline: Typically 10–14 days, depending on appraisal and title.

Documents Needed

  • Valid ID
  • Proof of income (traditional or non-traditional)
  • Proof of employment
  • Bank statements
  • Purchase contract
  • Homeowner’s insurance details

We work with borrowers who have unique circumstances and help prepare the required documents.

Fees

  • Commitment fee after terms are accepted
  • Appraisal, title, and insurance fees
  • All costs disclosed upfront for full transparency

Success Story

A family denied by two traditional lenders due to credit challenges came to SWE Lending for help. We approved them at 80% LTV and closed in under two weeks, allowing them to move into their home before the school year began.

Why Our Experience Matters

  • Hundreds of families helped achieve homeownership
  • High approval rates for borrowers
  • Reliable 10–14 day closings
  • Strong referral and repeat business

Apply for Residential Loan