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LOAN PROGRAMS

We'll match you with the best loan options when you apply.

TRADITIONAL FINANCING

FHA, Conventional, USDA, VA
Jumbo Loans
Construction
Renovation Lending
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HELOC
Reverse Mortgage

NON-TRADITIONAL FINANCING

Bank Statement Loans for Self-Employed
Cross-Collaterilization
Asset Depletion
Foreign Nationals
Non-Warrantable Condos
1 Month Out of Foreclosure/Bankruptcy
No Income Non-Owner Occupied
No Ratio Owner Occupied

INVESTOR 

FINANCING

Fix/Flip Loans
Bridge Loans
Vacation Rentals
DSCR (Debt Service Coverage Ratio)

Private Money

Application to Learn Which Loan Works Best For You

15 Minutes or Less

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Loan approval and rate is dependent upon applicant’s credit, collateral, financial history and program availability at time of origination. Rates and terms are subject to change without notice. This is not a loan commitment or guarantee of any kind. 601 W 1st Ave Suite 1400, Spokane, WA 99201. ©2025 Smarter Lending, LLC (NMLS ID 2409041) Licensed in: WA, ID, OK, CA 

www.nmlsconsumeraccess.org

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© 2025 Smarter Lending, LLC 

601 W 1st Ave Suite 1400

Spokane, WA 99201

NMLS # 2409041

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