Loan Products
From first homes to investment portfolios, TriStar Finance offers a full range of loan programs. Explore each product below — or just tell me your situation and I'll point you to the right fit.
Purchase Loan
First Time Home Buyer
Programs built for your first purchase — low down payments, down payment assistance options, and step-by-step guidance from application to keys.
Investment Loan
DSCR Loan
Qualify based on the property's rental income instead of your personal income — a fit for self-employed investors and portfolio builders.
Rate & Term / Cash-Out
Refinance
Lower your monthly payment, shorten your loan term, or access your home’s equity with a rate-and-term or cash-out refinance.
Non-QM
NON-QM Loan
Non-qualified mortgage options for borrowers who fall outside conventional guidelines — self-employed, recent credit events, or complex income.
Government Loan
FHA Home Loan
Government-insured financing with flexible credit requirements and down payments as low as 3.5% — a popular path for first-time buyers.
Specialty
Bridge Loan
Short-term financing that bridges the gap between buying your next home and selling your current one — so you never have to move twice.
Military Benefit
VA Home Loan
An earned benefit for veterans, active-duty service members, and certain surviving spouses: $0 down, no private mortgage insurance, competitive rates.
Specialty
Cash Offers
Compete like a cash buyer: make an all-cash offer to win the home, then convert to a mortgage at closing.
Purchase Loan
Fixed Rate Mortgage
The classic home loan: one rate, locked for the life of the loan, with 10, 15, 20, or 30-year terms to balance payment and total interest.
Non-QM
Asset Depletion
Qualify using your assets instead of income — designed for high-net-worth borrowers, retirees, and anyone asset-rich but income-light on paper.
Purchase Loan
Jumbo Home Loan
Financing for high-value properties above conforming loan limits, with competitive rates and flexible structures.
Non-QM
Bank Statement Loan
Qualify with 12–24 months of bank statements instead of tax returns — built for self-employed borrowers and gig workers.
Government Loan
USDA Loan
$0-down financing for homes in USDA-designated rural and suburban areas — more of Whatcom and Skagit County qualifies than you’d expect.
Purchase Loan
Low Down Payment
A full suite of low- and zero-down options — 0% to 5% down across VA, USDA, FHA, and conventional programs, matched to your situation.
Specialty
Rehab Loan 203k
Purchase and renovate with one loan — the FHA 203(k) rolls the home price and renovation budget into a single closing, ideal for fixer-uppers.
Specialty
Forbearance Refi
Refinance options after a forbearance — programs that work with your payment history instead of shutting the door on it.
Investment
Investment Property
Financing for rental properties — from your first door to a growing portfolio — with conventional and investor-specific loan options.
Specialty
Adult Family Home
Specialized financing for adult family home operators — purchasing or refinancing properties used for licensed residential care.
Specialty
Reverse Mortgage
For homeowners 62+, a reverse mortgage (HECM) converts home equity into cash or monthly income — with no monthly mortgage payment required while you live in the home.
Specialty
Primary Residence Construction Loan
Build your home from the ground up with construction-to-permanent financing — one loan that converts to your mortgage when the build completes.
Specialty
Spec Builder Construction Loan
Financing for builders constructing spec homes, with flexible draw schedules aligned to your build timeline.
Home Equity
HELOC
A home equity line of credit — borrow against your equity as needed, repay, and borrow again, for renovations, education, or flexibility.