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Discover our Innovative Mortgage Loan Programs

At LoanBud, we will review your income up front, provide mortgages with lower down payments, and offer several ways to qualify without tax returns.

Ready to get started?

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Don't Choose the Wrong Lender

As a business owner, freelancer, or entrepreneur, getting approved for a home loan is challenging because of how most banks qualify your income. If your loan is denied, you could:
 
❌ Miss your closing date
❌ Lose out on your dream home
❌ Forfeit your earnest money deposit
❌ Waste your time and money
 
At LoanBud, you’re working with a lender who understands self-employed applicants so you can avoid losing time and money working with the wrong lender.

Our Mortgage Loan Programs

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SELF-EMPLOYED

Qualify using bank statements or 1099s instead of tax returns so you can get approved.

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INVESTORS

We allow investors to qualify using expected cash flow from the property and no income documentation.

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5% DOWN JUMBO

LoanBud Jumbo loans require as little as 5% down so you can preserve liquidity and close on your dream home.

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ASSET BASED

We allow you to qualify based on your liquid assets instead of your personal income.

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PIGGYBACK

Put down as little as 5% without mortgage insurance while avoiding jumbo mortgage limits.

LARGER LOAN AMOUNTS
CASH OUT REFINANCE

Unlock your home equity to receive the maximum amount of cash to achieve your financial goals.

What Our Clients Have to Say:

“I was worried about getting my loan closed because my prior lender dropped the ball two weeks before closing, causing me to lose the house. William Bennett closely guided us through the entire loan process and anticipated what we would need to provide upfront, which gave us confidence when submitting to underwriting. In addition to providing me with amazing customer service, William Bennett was able to get me approved and purchase our dream home!”

Matthew Sturm

"Being a business owner, I was concerned that I would not qualify for a mortgage because of my tax returns. However, with excellent communication and anticipation, William Bennett did for us what most banks could not; understand our situation and help us close on our vacation home. You and your team were incredibly fast and got us closed 21 days from the day we spoke. If I knew a business owner like myself in need of a mortgage, I would highly recommend you and your team!"

Brandy and Brian Dey

"The minute we spoke with Sophia Curiale, she made us feel very comfortable and confident that she would help us secure a mortgage.  The communication was key, she answered any questions and always explained everything in order to understand what was going on with the process. I would definitely recommend her services, in fact we have already recommended her and her team to many people."

Roberto Medina

Getting a Loan with LoanBud is as Easy as 1, 2, 3 ... 

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Schedule a Consultation

Speak with one of our experienced loan officers who will understand your goals and help create a plan.

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Know Your Options

Discover what options are available to you and have confidence knowing your income has been reviewed up front.

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Close Your Loan

Relax as we guide you through a stress-free loan process so you can close on time.

LoanBud is a Division of BayFirst National Bank, N.A., Member FDIC, Equal Housing Lender NMLS ID 806183 Copyright © 2022. All rights reserved.
*Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

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