Loan Programs to
Fit all Dreams

Beyond residential, City First arranges financing for commercial real estate including multifamily, mixed-use, retail, office, and industrial properties through our wholesale and correspondent lending network.

Financing for non-U.S. citizens purchasing or refinancing property in the United States, with no U.S. credit history required. Available through our wholesale lending network.

Borrowers with an Individual Taxpayer Identification Number can finance a home using alternative credit and documentation standards. Available through our wholesale lending network.

Qualify using 1099 forms and contractor income history instead of full tax returns. A streamlined Non-QM path for gig workers, commissioned professionals, and independent contractors. Available through our wholesale lending network.

Asset depletion and asset qualifier programs convert savings, investments, and retirement funds into qualifying income. A strong fit for retirees and high-net-worth borrowers with substantial balance sheets and modest paper income. Available through our wholesale lending network.

Debt service coverage ratio loans qualify the property, not your paycheck. If the rent supports the payment, the deal can work, with no personal income documentation required. Available through our wholesale lending network.

A Non-QM option for self-employed borrowers and business owners whose tax returns understate their true cash flow. Income is calculated from 12 or 24 months of bank statements. Available through our wholesale lending network.

Government-backed with lower down payments, helping more buyers qualify for a home.

First-time buyers have access to programs combining low down payments, reduced mortgage insurance, and state and local down payment assistance.

Provides funding to build a new home, covering costs from start to finish.

Refinancing replaces your existing mortgage with a new loan to lower your rate, shorten your term, switch loan type, or extract cash from your equity.

Turns home equity into cash, designed for seniors with no monthly payments.

Designed for rental homes, making it easier to purchase or refinance investments.

Covers higher-priced homes that exceed conventional loan limits with flexible options.

Finances home improvements, allowing repairs and upgrades within your mortgage.

Follows standard guidelines, designed for qualified borrowers with flexible terms.

Starts with a lower rate that adjusts over time with market conditions.

Access home equity through a revolving line of credit with flexible use.

Financing for a vacation home or getaway, with flexible options available.

Affordable financing designed for eligible buyers in rural and suburban areas.

A stable interest rate with predictable payments over the life of the mortgage.

Exclusive to veterans and military members, offering reduced upfront costs and flexible qualification.