Residential lending built for real-world borrowers
Every borrower’s financial picture is different. Graintree Home Lending offers flexible residential mortgage solutions designed to meet a range of purchase, refinance, home equity and investment-property needs.
Why Graintree
Relationship-driven lending
Whether you have a traditional income profile or a more complex financial situation, our team helps evaluate available options and guide you through the process with clarity, responsiveness and care. With lending expertise, broad product access and a personalized service model, we help borrowers and referral partners navigate financing with confidence.
Personalized Service
Direct access to experienced lending professionals who understand the details behind each transaction.
Reliable
Execution
Coordinated review, follow-through and support designed to keep qualified transactions moving forward.
Responsive Communication
Stay informed with clear, timely updates at each stage of the lending process.
Solutions-Driven Expertise
Flexible qualification pathways and product access for traditional and complex borrower scenarios.
Flexible Underwriting Solutions
More ways to get to “yes”
Not every qualified borrower fits neatly into one documentation box. Graintree Home Lending helps evaluate flexible financing options for traditional income, self-employment income, asset-based qualification and investment-property cash-flow scenarios, subject to applicable program requirements.
Full Documentation
Traditional income, employment, asset and credit documentation.
Bank Statements
Personal or business bank statements may support qualifying income under applicable programs.
1099 Income
Options for qualified independent contractors and other 1099 earners.
K-1 Income
A deep understanding of analyzing K-1 cash flow for different business types.
Profit & Loss
Available programs may evaluate qualifying income using a profit-and-loss statement.
Asset Driven Qualification
Eligible assets may be considered as part of qualification under applicable programs.
Explore lending solutions by need
Whether you’re buying a home, investing in real estate, or tapping into your home’s equity, Graintree Home Lending offers a range of mortgage solutions tailored to fit your goals.
Purchase & Refinance
Jumbo Prime
Financing options for qualified borrowers seeking larger loan amounts for primary residences, second homes or eligible investment properties.
Alternative Documentation Loans
Mortgage solutions designed for borrowers with non-traditional income streams such as small business owners, 1099 earners, self-employed individuals, real estate investors and high-income earners with complex income structures, subject to program requirements.
ITIN Loans
Financing options may be available for qualified borrowers who use an Individual Taxpayer Identification Number and meet applicable program, income, asset, credit and property requirements.
Home Equity
Home Equity Line of Credit
A revolving line of credit that allows qualified homeowners to access available equity during an approved draw period. Funds may be used for home improvements, liquidity needs, investment opportunities or other major expenses.
Closed-End Second Mortgage
A lump-sum second mortgage option for qualified homeowners who want to access their home’s equity while maintaining an existing first mortgage, subject to program requirements.
Investment Property
DSCR Loans
Investment-property financing that may qualify based primarily on property rental income and debt-service coverage rather than the borrower’s personal income, subject to program requirements.
DSCR Second Liens
A second-lien financing option for qualified investment-property owners seeking to access equity while preserving an existing first mortgage, subject to program requirements.
Construction & Bridge
Renovation / Fix-and-Flip Loans
Financing options for experienced investors seeking to acquire, renovate and reposition residential properties, subject to program requirements.
Bridge Loans
Short-term financing solutions for qualified borrowers and investors who need transitional capital for acquisition, refinance or time-sensitive real estate opportunities, subject to program requirements.
Ground-Up Construction Loans
Construction financing may be available for qualified builders, developers and investors pursuing eligible residential projects, subject to project, borrower, budget, valuation and program requirements.
Explore your options
Not sure if you’ll qualify? Every borrower is different. Let’s find the right solution together.
Built Around Relationships
Building meaningful partnerships through personalized service
Graintree Home Lending works with borrowers, financial advisors and real estate professionals to provide thoughtful guidance, responsive communication and reliable execution throughout the lending process.
For Homeowners
Personalized mortgage guidance for purchase, refinance, home equity and investment-property needs.
For Financial Advisors
A lending partner you can trust to support clients with complex financial profiles and real estate financing goals.
For Real Estate Professionals
Reliable execution, clear communication and flexible solutions designed to help qualified transactions move forward.
A growing residential lending footprint
Licensed in 17 states plus Washington, D.C. – and expanding our residential lending footprint to support borrowers, advisors and real estate professionals where they need us most.
Licensed market
For a full list of licensed states and required licensing disclosures, Visit our Disclosure & Licenses page
Ready to start the conversation?
Whether you are purchasing, refinancing, accessing equity or growing a real estate portfolio, Graintree Home Lending can help evaluate available solutions for your specific situation. Speak with a Loan Advisor to get started.