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Loan Products

Loan Products

With years of experience in the mortgage industry, Romy specializes in helping individuals find the perfect loan program tailored to their financial situation. Our expertise ensures that you don’t have to navigate the complexities of mortgage options alone—we work with you to identify the right program that fits your goals, whether you’re purchasing your first home, refinancing, or investing in property.

No Tax Return and Stated Income Loan Products

The Ideal Mix of Customized Products and Core Expertise for the Self-Employed 
and Recently Retired.

Insignia Mortgage structures customized no-tax return loan programs for the self-employed, real estate professionals, and retired borrowers who have excellent credit and strong liquid reserves, and/or other balance sheet assets. Whether you are looking to purchase a new home, refinance an existing home, or take cash out from your home, Insignia Mortgage has access to a variety of lending sources to match clients’ unique financials with the most discerning lenders.
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Interest-Only & Fixed Rate Jumbo Loans

Access a Wide Range of Interest-Only & Amortizing Loans.

Insignia Mortgage focuses on large and often complex transactions for high net-worth clients, delivering individualized lending solutions that are tailored to our lenders’ requirements as well as our clients’ needs. We take an individualized approach to lending, designed to grasp all the complexities, choose the right lending product, consider layered tax scenarios, structure the loan, and properly present the loan to our lender-partners. We call this Individualized Lending.
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Foreign National Program

The Ideal Mix of Flexible Products and Lending Expertise for Foreign Nationals.

Insignia Mortgage has built unique lending relationships with sophisticated local banks and credit unions that understand how to review a foreign buyer’s loan application and how to assess foreign-based financial documents. We offer customized programs for foreign buyers seeking jumbo loans.
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Government & Community Programs

Quick Turnaround for all Purchase and Refinance Transactions.

Insignia Mortgage brings unique underwriting acumen to the residential conforming (Fannie Mae and Freddie Mac) and government (FHA and VA) lending market. We can quickly analyze and source these more traditional 15 and 30-year fixed rate mortgages while providing borrowers with a single point of contact throughout the transaction.
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Bridge/Fix & Flip Financing

High-End Residential Developer Financing and Bridge Loans.

Insignia Mortgage has access to capital either through Insignia Capital Corp as a direct lender, or through our network of private lenders who specialize in the fix and flip space. Since no two housing renovations are identical, access to various sources of capital are key in this space. These loans do not typically require financial statements, and the focus is on the developers’ track record of fixing up and reselling homes.
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Multi-Family & Commercial

Niche Multi-Family and Commercial Property Loans that are Custom-Tailored for your Specific Borrowing Scenario.

Insignia Mortgage, a leading single family home lender, is now offering its unique lending solutions on both multi-family and commercial property transactions. Our custom-tailored loans are a wonderful fit for borrowing scenarios that require a specific understanding of the local Southern California marketplace.
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SFR 1-4 Investment Property Loans

Stated Income and No-Tax Return Loan Programs Designed Specifically for Residential Property Investors and High-End Residential Developers.

Insignia Mortgage has a deep understanding of real estate investors and long-standing relationships with local lenders who underwrite investment property loans with or without tax returns. We leverage a variety of underwriting methodologies to assess which program best fits with your financial profile. This includes focusing solely on property cashflow or valuation.
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(1) Disclosures
(1) No Tax Return loans and foreign national loan products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring more extensive or different documentation. (2) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Loan to values (LTV) are based on appraised value. Actual closing times will vary based on borrower qualifications and loan terms. All loans are subject to credit approval. (3) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), once the fixed rate period ends, the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE #01969620, NMLS #1277691
(2) Disclosures
(1) Minimum FICO, reserve, and other requirements apply. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. Rates, points, APRs and programs are subject to change without notice. Actual closing times will vary based on borrower qualifications and loan terms. All loans are subject to credit approval. (2) “Loan to Cost” (LTC) is defined as the acquisition price of the property plus the cost to build as determined by a bank appraisal. Contact your loan officer for additional program guidelines, restrictions, and eligibility requirements. (3) With an interest-only mortgage payment, you will not pay down the loan's principal balance during the interest-only period. Once the interest-only period ends, your payments will increase to pay back the principal and interest. Rates are subject to increase over the life of the loan. Contact your Insignia Mortgage, Inc. loan officer to determine what your payments might be once the interest-only period ends. (4) With an adjustable rate mortgage (ARM), the loan payment will adjust after an initial period and then adjust on a regular basis as set forth in the loan documents. For example, a “3/1” loan will have an interest adjustment 3 years after the loan closes and every 12 months thereafter. Also, the loan will be subject to annual and lifetime adjustment caps. Contact your Insignia Mortgage loan officer to determine what your payments might be once the fixed rate period of the loan ends. (5) Insignia Mortgage, Inc., is a real estate broker licensed by the CA Bureau of Real Estate, BRE #01969620, NMLS #1277691.