This is a Loan Program Descriptions & Disclosures
Our Role as a Mortgage Broker
Flex Funding is a mortgage brokerage, not a direct lender. We work with a network of third-party residential and commercial lenders to help connect borrowers with financing options that may align with their goals and qualifications.
Flex Funding does not service mortgage loans.
After a loan closes, all servicing—including payment collection, escrow administration, account management, and customer support—is handled by the lender or loan servicer selected at closing.
Residential Loan Programs We Commonly Assist With
The following is a general overview of residential mortgage programs we may help facilitate. Program availability, guidelines, and terms vary by lender and are subject to underwriting, approval, and applicable laws.
Conventional Loans
Conventional loan programs are available for qualified borrowers purchasing or refinancing residential properties.
Common characteristics may include:
Fixed-rate and adjustable-rate options
Primary residences, second homes, and investment properties
Varying down payment requirements depending on program and borrower qualifications
FHA Loans
FHA loan programs are insured by the Federal Housing Administration and are designed to help qualified borrowers with flexible credit and down payment requirements.
Common characteristics may include:
Lower minimum down payment options
Owner-occupied primary residences only
Mortgage insurance requirements
VA Loans
VA loan programs are available to eligible veterans, active-duty service members, and certain surviving spouses.
Common characteristics may include:
No down payment required for qualified borrowers
No monthly mortgage insurance
Eligibility and entitlement requirements apply
Jumbo Loans
Jumbo loan programs are designed for loan amounts that exceed conventional conforming loan limits.
Common characteristics may include:
Higher loan amounts
Stricter qualification guidelines
Available for primary residences and, in some cases, second homes
Investor & Specialty Loan Programs
DSCR Loans (Debt Service Coverage Ratio)
DSCR loans are designed for real estate investors and typically qualify borrowers based on the cash flow of the investment property, rather than personal income.
Common characteristics may include:
Qualification based on rental income
Short-term and long-term rental eligibility
Individual and entity (LLC) ownership options
Purchase and refinance scenarios
DSCR loans are intended for investment properties only and are not consumer residential mortgage products.
Fix & Flip / Short-Term Investor Financing
Short-term financing options designed for real estate investors purchasing and renovating properties.
Common characteristics may include:
Short loan terms
Property-based underwriting
Funds for acquisition and renovation
Intended for business or investment purposes only
Home Equity Line of Credit (HELOC)
A HELOC allows eligible homeowners to access a revolving line of credit secured by available home equity.
Common characteristics may include:
Flexible access to funds
Interest typically charged only on amounts drawn
Variable interest rates depending on lender terms
Available for primary residences and, in some cases, second homes
Reverse Mortgage (Age 62+)
Reverse mortgage programs are available to qualified homeowners aged 62 or older and allow access to home equity without required monthly mortgage payments.
Important considerations:
Borrowers must meet age, equity, and occupancy requirements
Loan balances increase over time
Mandatory counseling is required
Loan becomes due upon specific triggering events
Reverse mortgages are highly regulated and may not be suitable for all borrowers.
Commercial & Other Financing Options
In addition to the programs listed above, Flex Funding may assist with commercial real estate and other specialized financing options, depending on lender availability and borrower qualifications.
These may include, but are not limited to:
Commercial property financing
Mixed-use properties
Business-purpose loans
Alternative and specialty lending programs
Because guidelines vary widely, not all available programs are listed on this website.
📞 For details on additional home or commercial financing options, please contact us directly to discuss your specific scenario.
Important Disclosures
Flex Funding is a mortgage broker, not a lender.
We do not service loans after closing.
All loan programs are subject to lender approval, underwriting, and applicable regulations.
Rates, terms, and availability are subject to change without notice.
Submitting information does not constitute a commitment to lend.
Next Steps
If you would like to explore available financing options, you may complete a brief inquiry form or contact us directly. A licensed mortgage professional will review your information and follow up to discuss potential programs.