Loan Programs

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we’re here to help you choose the best type of home loan for your needs.

Mortgage Rate Options

Genex Lending/ 1099 mortgage

Fixed Rate

Not all mortgages are created equal. For example, while some borrowers choose adjustable-rate mortgages (ARMs), the most frequent loan type is the fixed-rate mortgage.

Genex Lending/ reverse mortgage

Adjustable ARM

The Adjustable ARM (Adjustable Rate Mortgage) Policy is a financial mechanism designed to provide flexibility to American homeowners in managing their mortgage payments.

Genex Lending/ cash out refinance

Interest Only

An Interest Only Mortgage is a type of loan where the borrower makes monthly payments that solely cover the interest accrued on the principal amount borrowed.

Genex Lending/ interest only

Graduated Payment

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time

Loan Program Options

Genex Lending/ FHA loans

FHA Home Loan

An FHA loan is a government-backed mortgage loan that allows you to buy a home with looser financial requirements. You may qualify for an FHA loan if you have debt or a lower credit score.

VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

Genex Lending/ land loan

USDA Loans

A USDA home loan is a zero-down payment mortgage for qualifying rural homebuyers issued through the USDA loan program.

Jumbo Loans

A jumbo mortgage can provide you the larger funds traditional loans do not cover — given that you can find a lender that offers one, satisfy the requirements, and afford the higher cost.

FIRST-TIME HOME BUYERS

Start your home search with a free pre-qualification, getting you ready for the process ahead. Plus, we can connect you with a trusted real estate agent through our network.

Genex Lending/ reverse mortgage

REHAB LOAN

Transform your investment properties with ease using our hassle-free rehab loan options - apply today and watch your profits soar!

Genex Lending/ private mortgage insurance

LOW DOWN
PAYMENT

Coming up with a down payment is one of the biggest challenges for many people looking to buy a house, causing them to delay their dream of homeownership.

Genex Lending/ credit

INVESTMENT PROPERTY LOANS

Investment property loans are a type of mortgage specifically designed for purchasing properties intended to generate income, such as rental properties or commercial real estate.

Genex Lending/ bank statement loans

REFINANCE

When you refinance, you replace your current mortgage with a new one that typically comes with improved terms and a lower interest rate.

Genex Lending/ first time home buyers

REVERSE MORTGAGE

A reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. Also, like a conventional mortgage, the title to your home remains in your name when you take out a reverse mortgage loan.

Commercial Loans

Welcome to the gateway of possibilities in commercial loans, where financial aspirations meet business ambitions. This inner page is your compass to the diverse landscape of commercial financing, tailor-made for our American audience eager to pave the way for business growth and success.

Condo Loans

Whether you're purchasing your first condo or refinancing an existing one, our condo loan options are designed to make the process simple and stress-free. With flexible terms and personalized support, we help turn your homeownership dreams into reality.

1-Year Profit & Loss (P&L) Product

The 1-Year P&L Loan Product is a unique lending option tailored for self-employed borrowers who may not have standard documentation, such as W-2s or pay stubs, to verify income.

Foreign National Loans

Foreign National Loans are designed specifically for individuals who are not U.S. citizens or permanent residents but wish to purchase or invest in U.S. real estate.

Asset Qualifier & Asset Income lift loans

Asset Qualifier Loans and Asset Income Lift Loans are specialized lending products that enable borrowers to use their financial assets, such as savings, investments, or retirement accounts, to qualify for a loan.

Bridge Star Loans

The Bridge Star Loan is a short-term financing solution designed to help homeowners transition smoothly between selling their current home and purchasing a new one.

No Minimum DSC

The No Minimum DSCR Loan is a unique lending product that removes the requirement for a specific Debt Service Coverage Ratio (DSCR), making it ideal for real estate investors who may not meet traditional DSCR standards.

85% LTV on second Homes

The 85% Loan-to-Value (LTV) Loan for Second Homes is a specialized financing solution for borrowers looking to purchase or refinance a second property.

NON-QM Loans

Genex Lending/ 1099 mortgage

1099
Mortgage

On a conventional home loan, the lender is restricted to using only the taxable portion of the applicant's salary for qualification purposes.

Genex Lending/ cash out refinance

Bank Statement
Loans

A bank statement loan is often an excellent option for qualified self-employed borrowers. However, self-employed borrowers must choose the best loan product to help fulfill their mortgage needs.

Genex Lending/ debt service coverage loan

DSCR/Investor

Loans

As a real estate investor, you can dodge high rates and high points of private loans, lengthy approval processes, and stringent lending criteria with a debt service coverage ratio loan, a type of no-income loan

Genex Lending/ ITIN mortgage

ITIN Mortgage

Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers.

Genex Lending/ refinance

Asset Utilization

Maximize your resources and minimize waste with Asset Utilization - the secret weapon of successful businesses.

Genex Lending, LLC

We offer a distinctive and tailored approach to mortgages, utilizing a seamless blend of human expertise and advanced technology to expedite loan processing and substantially cut down costs.

PHONE

(630) 772-1216
(Not for use by New York borrowers)

E-MAIL

manish@genexlending.com

ADDRESS

1775 LANYON DR
BARTLETT, Illinois 60103

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Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
Licensed to work in: Colorado (100534086), Florida (LO81990), Illinois (031.0060972), Michigan (1994538), New Jersey, Texas, Virginia (MLO-50121VA)

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