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Non-Traditional
Credit Loans

Jumbo Loans

A jumbo loan is used to finance expensive properties. The maximum amount a person can borrow for a jumbo loan is $548,250 as ordained for the Federal Housing Finance Agency. Properties that exceed the limit for a conventional loan need a jumbo loan.

To qualify for a jumbo loan, you need a FICO score of 700 or more. You should have ample cash reserves and be ready to submit your tax returns, W-2s and 1099s when you apply. Along with this, you show your bank statements and investment accounts to make your application strong.

Our fixed-rate mortgage offers you the stability and security of paying the same monthly installments over your loan’s life. We offer you an option to lower your monthly payments by extending your loan’s life. But if you want to pay off your loan quickly, you can choose a shorter term and pay a higher amount.

Are you ready to own your dream home?

12/24 Bank Statement Loans
for Self Employed

Getting a loan approved when you’re self-employed can be challenging, especially if you don’t fall under the traditional requirements of a loan. Therefore, we offer a 12/24 bank statement loan that can help you secure a home purchase or refinance loan even if you’re self-employed.
In these loans, we use your bank statement for the past 12 or 24 months, instead of your tax returns and W2s, to verify your income.
Here are a few things we look for in your bank statements:

- Adequate account balance
- No overdrafts
- Consistent monthly deposits
- Enough cash to pay 10% down payment
- Adequate money to pay mortgage for several months.
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iTINMortgage Loans
(without SSN or Green Card)

Do you live in the US but don't have an SSN or Green Card? Don’t worry. Your dreams of owning a house can be fulfilled. We will need your Tax-ID (ITIN) to help you apply for the mortgage. Here are some of the features of the loan:

- It’s a purely purchase-based loan for owner-occupied properties only.
- They have a 30-year fixed term that ensures long-term stability for you.
- Unlike all other of our services, it only requires manual underwriting. Our account manager will meet and review your files in person.
- Along with your iTIN card, we need one more proof (any one from govt. issued photo ID, passport, state ID, or Visa)
- Credit scores as low as 620 can also qualify you for this mortgage loan.

Foreign National
Mortgage Loans

Many foreign nationals in the US have a goal to invest in or purchase real estate to fulfil their American dream. Our foreign national mortgage loans enable them to do that.
This mortgage allows you to purchase a higher property and take advantage of the tax benefits that come with it.
To qualify for the foreign national mortgage, you should meet the following criteria:

- Buy one of the eligible properties (condo, townhouse, co-op, 1-4 family houses, investment property, second home)
- Have enough money to pay at least 30% of the down payment.
- Buy a property less than 10 million dollars.
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No Doc Investment
Property loans

A No Doc investment property loan is different from other real estate loans because it doesn’t require any income documentation or estimation. Your credit score determines your loan-to-value ratio, interest rate, and loan amount. You’ll have to pay a larger down payment to secure this loan.

High Net
Worth Mortgages

A high-net-worth customer is a person who earns more than $250,000 a year or possesses assets equaling this value.

High net worth mortgages are more complex and are used for high-value properties to extend a property portfolio.

A lot of high-net-worth customers want to protect their assets. Therefore, they may need lending through special purpose vehicles, offshore structures, trusts, and foundations.

Many high-net-worth individuals opt for a mortgage when they can purchase property with liquid cash because they want to keep their liquidy options open for future investments.

An Effortless Journey
from Lead to Rate

Our advanced digital lending platform ensures that you close your house buying and refinancing deals within hours!
Enter your information in our application. Our app allows you to check rates for purchase and refinance in real-time. Choose the rate that you’re comfortable with and apply for a mortgage right away. It doesn’t get easier and quicker than this!
We just need your digital consent to access your credit report after you upload your information, and we’ll take it from there.
You can also get pre-qualified for the loan by giving us your information without disclosing your SSN. It will give us permission for a soft credit pull. And depending on your score, your dedicated account manager will get in touch with you for the rest of the lending process.
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We Listen,
You Prosper

We’ve helped many homeowners settle and live fruitful lives in their new dream homes. Here’s what they all have to say.
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We’ve worked with them in the past a few times, and they never let us down. Their team offers creative solutions to all our lending needs. We purchased our current home through their digital lending process, and it’s commendable. It took us one day to collect and upload the documents, and voila! We had our loan options with us very soon and closed the deal quickly..

Dennis C

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Area Lending helped us in refinancing our existing mortgage. The interest rate that they offered was very low compared to other lenders we checked out. The closing process was quick and well-organized. Their website was very informational, and I barely had any questions about refinancing before contacting the team for terms.

Nicholas D

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Area Lending came highly recommended by our family friends because of the quick closing. I usually don’t believe what loan companies boast about their services, but Area Lending delivered what they promised. Their entire process was digital and seamless, and our dedicated account manager was on top of his game.

PatrickB

London Office
Bloomsbury Square, London WC1B 4EA
Ontario Office
20 Gerrard St E, Toronto
ON M5B 2P3, Canada
Email us
info@avantage.co.uk
office@avantage.co.uk
Call us
020 7946 020
020 7996 223
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    Area Lending LLC’s digital lending solutions have streamlined the mortgage process by offering clients a short, quick, and painless process that promises instant closing and speedy acquisition of property so that you can shift in your new home within days of closing the deal.

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    Area Lending , LLC . – All rights reserved. NMLS #2079475

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    Licensed by PA Dept of Banking and Securities
    License by Florida Office of Financial Regulation

    Not available in all states None of the materials included on this website or any marketing were provided or approved by the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA)

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    111 Buck Road, Unit 500, Suite 1, Huntingdon Valley, PA 19006
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