Residential Lending

How I Can Help

Residential Lending

At Money Man Tee Ares Lending, we make homeownership more accessible with a wide range of residential loan solutions. Whether you're a first-time homebuyer, upgrading to your dream home, or refinancing to lower your rate, we offer conventional, FHA, VA, and Non-QM loan options tailored to your needs. We understand that every borrower’s situation is unique, which is why we focus on flexibility, fast approvals, and personal guidance throughout the entire process. We also specialize in programs designed for self-employed borrowers, investors, and credit-challenged buyers. With options like 1% down loans, bank statement programs, and DSCR rental loans, we go beyond the traditional guidelines to help you qualify and close quickly. Our team is here to simplify the lending experience so you can move forward with confidence — whether you're buying, refinancing, or investing in residential real estate.

✅ FHA

Low down payment loans backed by the government — ideal for first-time homebuyers and those with limited credit.

✅ Conventional

Flexible, low-rate mortgage options for qualified buyers with stable income and good credit.

✅ USDA

Zero down payment financing for eligible rural and suburban homebuyers with low to moderate income.

✅ VA

Exclusive zero down payment home loans for eligible veterans, active-duty service members, and their families.

🏡 FHA Loans

Backed by the U.S. Federal Housing Administration for added lender protection

Low down payment option—just 3.5% for qualified borrowers

Flexible credit requirements, ideal for first-time buyers or rebuilding credit

Available for purchasing, refinancing, or renovating a primary residence

Requires mortgage insurance premiums (upfront and ongoing)

Accessible to borrowers with modest savings or limited credit history

🏡 USDA Loans

Zero down payment required for eligible rural and suburban areas

Backed by the U.S. Department of Agriculture

Income limits apply based on location and household size

Must be used for a primary residence

Lower mortgage insurance premiums than FHA loans

🏡 Conventional Loans

Not backed by the government — ideal for borrowers with strong credit and income

Low down payment options starting at 3%

Eligible for primary, second homes, and investment properties

Typically lower monthly mortgage insurance costs compared to FHA

Flexible loan terms: fixed-rate and adjustable-rate options

🏡 VA Loans

Exclusive to eligible veterans, active-duty service members, and surviving spouses

0% down payment with no private mortgage insurance (PMI)

Backed by the U.S. Department of Veterans Affairs

Competitive interest rates and flexible credit guidelines

Can be used to buy, build, refinance, or improve a primary home