🏡 Lifestyle Realty & Lending, Inc.

A Loan for Every Home

🌟 Why Choose Us

✔ Access to top nationwide lenders
✔ Competitive rates & flexible programs
✔ Solutions for every financial situation
✔ Fast closings & streamlined process

🔑 Loan Programs We Offer

🏠 Conventional Loans (Fannie Mae & Freddie Mac)

• Low down payment options (as low as 3%)
• Programs like HomeReady®, Home Possible®, HomeOne℠
• Renovation financing up to 97% LTV
• Manufactured homes eligible (most states)

🔨 Renovation Loans

FNMA HomeStyle® & FHA 203(k)

• Finance purchase + renovations in one loan
• From small upgrades to major remodels
• Options for primary, condos, and manufactured homes

💰 Jumbo Loans

• Loan amounts up to $2.5M+
• Flexible solutions for high-value properties
• Competitive rates for qualified borrowers

🏦 FHA Loans

• Low down payment (as low as 3.5%)
• Minimum FICO 620
• Up to 97.75% CLTV
• Great for first-time buyers

🔄 FHA Streamline Refinance

• No income verification
• No appraisal required
• Fast & simple process

🇺🇸 VA Loans

• No down payment options
• Competitive rates for eligible veterans
• Flexible underwriting

🌾 USDA Loans

• Zero-down financing (eligible rural areas)
• Low rates & reduced mortgage insurance

🔄 Reverse Mortgages (HECM)

• Age 62+
• No monthly mortgage payments required*
• Stay in your home for life
• FHA-insured program

💳 HELOC & 2nd Mortgages

• Loan amounts: $25K – $400K
• Fast approvals (some same-day closings)
• Min FICO 640
• Up to 80% CLTV
• Flexible income verification options

🚀 Non-QM Loan Solutions

Perfect for borrowers who don’t fit traditional guidelines:

✔ Bank Statement Loans

✔ 1099 Only Programs

✔ Asset Qualifier (No Income Needed)

✔ DSCR Investor Loans (No DTI)

✔ P&L Only Loans

✔ ITIN Loans

✔ Foreign National Programs

👉 Loan amounts up to $4M+

🏢 Investor & Specialty Programs

• DSCR (cash-flow based qualification)
• Foreign national financing
• Short-term / hard money loans
• Commercial & business loans

⚡ Hard Money Loans

• Close quickly
• Minimal documentation
• Ideal for investors & bridge financing
• Loan amounts up to $2.5M

🎯 Flexible Solutions for Every Situation

✔ First-Time Buyers
✔ Self-Employed Borrowers
✔ Investors
✔ Credit Challenges
✔ High-Net-Worth Clients