Conventional Loans
Traditional financing for eligible primary residences, second homes, and investment properties. Standard, high-balance, purchase, rate-and-term refinance, and cash-out options may be available.
Mortgage solutions for your next move
with SABIZ Loans
Financing for homebuyers, homeowners, business owners, self-employed borrowers and real estate investors.
- Conventional and affordable homebuyer programs
- FHA, VA and USDA financing
- Non-QM: bank statements, 1099 and asset qualification
- DSCR loans for real estate investors
- Select 40-year terms and Interest Only options
Find financing that fits your goals, financial situation and program eligibility.
SABIZ LOANS
A plan built around you
Your goals. Your next home. Your possibilities.
Personal guidance
Flexible loan options
Secure online application
Let’s find your starting point.
How to Apply for a Home Loan
Start your preliminary loan review by completing the following steps. This process applies to purchase and refinance applications. It does not apply to HELOC requests.
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Step 1
Complete the Loan Application
Enter your information accurately and use your full legal name exactly as it appears on your government-issued identification. Include any co-borrower who will be part of the loan.
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Step 2
Complete the Credit Verification
The $80 fee covers verification through an independent credit-reporting company. This initial verification is a soft pull, so it does not affect your credit scores.Include your spouse or co-borrower’s information when applicable. Make sure all names match the names on your driver’s licenses exactly.
The documents needed depend on the loan program and your financial situation. You may be asked to provide:
- Government-issued photo identification
- Recent bank or asset statements
- Income and employment documents, when applicable
- Personal or business tax returns, when applicable
- Purchase contract and related addenda, if purchasing
- Current mortgage statement, if refinancing
- Homeowners insurance and HOA information, if applicable
- Business or entity documents, when applicable
Please provide documents only through the secure method supplied by the lending team. Do not send Social Security numbers, complete account numbers, passwords, or other sensitive information through regular email or text messages.
What Happens Next?
Once we receive your application, credit verification and required documents, we can review your complete scenario and determine the best available financing options. We may contact you for clarification or additional documentation.
Submitting an application does not constitute approval or a commitment to lend. All scenarios remain preliminary and are subject to verification, underwriting, property review, and applicable program requirements.
Mortgage Solutions
SABIZ Loans offers financing for homebuyers, homeowners, business owners, self-employed borrowers, and real estate investors. We review each client’s goals, property, credit, assets, and income documentation to identify the loan options that appear most suitable.
Our broad selection of conventional, government, Non-QM, and investment-property programs allows us to offer competitive interest and flexible structures based on each client’s circumstances.
We evaluate the monthly payment, points, lender credits, closing costs, documentation, and loan structure to find a practical balance between the client’s monthly payment and upfront expenses. Interest and pricing depend on the complete scenario and can change until locked.
Affordable Conventional Programs
Options for eligible primary-residence buyers who may benefit from flexible down payment, income, geographic, homebuyer-education, or homeownership features.
FHA Loans
Government-insured financing for eligible primary residences. FHA may offer more flexible credit and down payment options than some conventional programs.
VA Loans
Financing for eligible veterans, active-duty service members, and qualifying surviving spouses. Available benefits depend on service eligibility, entitlement, occupancy, property, and transaction requirements.
USDA Loans
Financing for eligible primary residences in approved rural areas. Property location, household income, occupancy, and program requirements apply.
Non-QM financing provides additional flexibility for entrepreneurs, self-employed borrowers, independent contractors, investors, and clients whose finances do not fit traditional mortgage documentation.
Available options may include:
Non-QM options may be available for purchases, rate-and-term refinances, and cash-out refinances, depending on the program.
Looking for a HELOC?
HELOC requests use a separate application process from the general application on this page.
Explore SABIZ HELOCWhere We Offer Financing
Through our lending platform, financing is available for properties in 49 states and Washington, D.C.
New York is the only state where we do not currently facilitate mortgage applications or loans secured by properties located in that state.
Availability is subject to applicable loan-officer licensing and program-specific geographic restrictions. Not every product is offered in every state.
Questions & Answers
How do I start my loan review?
Complete the loan application, the separate credit verification and prepare the documents that apply to your situation. These steps are for purchases and refinances; HELOC requests follow a separate process.
Will the credit verification affect my score?
The initial verification is a soft pull and does not affect your credit scores. The $80 fee covers the service provided by an independent credit-reporting company. Include your spouse or co-borrower when applicable and use names exactly as shown on your driver’s licenses. Review the provider’s authorization and price before paying, and any later credit authorization separately.
Can I apply if I’m self-employed?
Options may include personal or business bank statements, 1099 income, a qualifying Profit and Loss statement, or eligible assets. The right documentation depends on your complete scenario and program requirements.
Are there options for investment properties?
Yes. Conventional and Non-QM options may be available. DSCR loans primarily evaluate the property’s rental income, and select programs allow qualifying business entities to hold title. Property and program requirements apply.
How do 40-year and Interest Only options work?
Select programs offer up to 40 years, which may lower the required monthly payment but increase total financing costs. Interest Only payments generally do not reduce principal during the initial period; payments may increase when principal repayment begins.
How should I send my documents?
Use only the secure method supplied by the lending team. Do not send Social Security numbers, full account numbers, passwords or other sensitive information by regular email or text. We’ll let you know which documents are needed.
Does applying mean I’m approved?
No. An application starts a preliminary review, not an approval or commitment to lend. Verification, underwriting, property review and program requirements still apply. Interest and pricing can change until locked.
Where do I apply for a HELOC?
Use our dedicated SABIZ HELOC page. HELOC requests do not use the general application and separate credit-verification steps shown here.
Explore SABIZ HELOCLet’s take the next step.
Get startedOur lending partner
Financing is provided through Paramount Residential Mortgage Group, Inc. (PRMG), NMLS #75243. Ariel Saavedra, NMLS #2679529, licensed in Florida. Availability elsewhere is subject to the applicable loan officer’s licensing and program requirements.
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