We’re excited to announce that 40-year loan terms are now available across several popular loan programs, offering homebuyers and real estate investors greater flexibility in financing.
✅ Eligible Loan Types
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Jumbo Loans
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Bank Statement Loans
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New Investor Flex (DSCR) Loans
π‘ Why Choose a 40-Year Loan?
Compared to traditional 30-year loans, 40-year terms provide meaningful advantages in monthly payments, cash flow, and long-term planning:
π» Lower Monthly Payments
Reduce monthly payment obligations and ease cash flow pressure.
π° Improved Cash Flow
Free up capital and enhance overall financial flexibility.
π More Flexible Repayment Structures
40-year loans currently offer two options:
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40-Year Fixed Rate
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10-Year Interest-Only + 30-Year Fixed Rate
(10-Year Interest-Only followed by 30-Year Fixed Rate)
π Ideal for Real Estate Investors
Well-suited for long-term hold strategies, rental-focused investments, and portfolio allocation planning.
π‘ Who Should Consider a 40-Year Loan?
This option may be a strong fit if you are:
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Expanding your real estate investment portfolio
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Looking to lower monthly payments and unlock cash flow
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Seeking flexible loan structures that align with your investment timeline
In these cases, a 40-year loan may be well worth a closer look.
π© Feel free to reach out anytime to see if you qualify and to explore which 40-year structure best aligns with your financial goals.
I’m happy to provide personalized guidance based on your income profile, investment strategy, and cash flow needs.