Not every borrower fits conventional guidelines. Aravian Financial specializes in specialty loan programs designed for self-employed borrowers, real estate investors, medical professionals, ITIN borrowers, foreign nationals, and buyers who need down payment help.
As an independent broker with access to 20+ wholesale lenders, Kris can find programs for situations that most banks and retail lenders turn away.
Qualify using 12 or 24 months of personal or business bank statements instead of tax returns. Designed for entrepreneurs, freelancers, and business owners whose income does not fit standard guidelines.
Qualify based on the rental income of the property, not your personal income. The Debt Service Coverage Ratio (DSCR) loan is the go-to program for real estate investors scaling a portfolio.
Finance condos that do not meet Fannie Mae or Freddie Mac guidelines due to high investor concentration, pending litigation, or other factors. Conventional lenders say no. We have options.
Qualify using liquid assets instead of income. Retirement accounts, investment portfolios, and bank balances are divided over the loan term to create a calculated monthly income for qualifying.
Designed for physicians, dentists, residents, and other licensed medical professionals. High loan amounts, low or no down payment, and student debt exclusions that conventional programs do not allow.
Multiple programs available to help Texas buyers cover their down payment and closing costs. Grants and forgivable loans that reduce your out-of-pocket costs significantly at closing.
The Texas State Affordable Housing Corporation offers two of the best DPA programs in the country. Homes for Texas Heroes and Home Sweet Texas provide up to 5% toward down payment and closing costs.
Homeownership for borrowers without a Social Security number. Qualify using your IRS Individual Taxpayer Identification Number with flexible documentation and alternative credit history.
Purchase or refinance US property as a non-resident foreign national. No US credit history or SSN required. Available for primary residences, second homes, and investment properties.
Finance raw land, improved lots, or agricultural property in Texas. Whether you are buying land to build on later or as an investment, we have programs designed specifically for Texas land purchases.
A Home Equity Loan (HELOAN) lets you borrow a lump sum against the equity in your Texas home at a fixed rate. Access your equity for renovations, debt consolidation, or major expenses.