Financing beyond the primary home
Investment properties, new construction, land, and commercial real estate, with one team to guide you through it.
Not every purchase fits a standard home loan. Whether you're adding a rental, building from the ground up, buying land, or financing a commercial property, VARA Lending works with a wide range of lenders to match the loan to the deal.
Investment Property (DSCR) Loans
Qualify based on the property's rental income instead of your personal income. Often a fit for investors who are self-employed, own multiple properties, or want to keep personal tax returns out of the process.
- Long-term and short-term rentals
- Purchase, refinance, or cash-out
- Options for buying in an LLC
Construction Loans
Financing to build a new home or investment property, covering the build phase and, with some programs, converting to a permanent loan when construction is complete.
- Ground-up builds and major renovations
- Primary homes, second homes, and investment properties
Land Loans
Financing to purchase a lot or acreage, whether you plan to build soon or hold it for later.
- Residential lots and rural land
- Options to pair with a future construction loan
Commercial Loans
Financing for income-producing and owner-occupied commercial property.
- Multifamily, mixed-use, office, retail, and industrial
- Purchase and refinance
Tell us about the deal
Every one of these loans depends on the property, the plan, and the numbers, so the fastest way to know your options is a quick conversation.
Program availability and terms vary by lender, property type, and location. Not all applicants will qualify.
Work with a local Mortgage Expert.
Not a Faceless Mortgage Company.
Here's how we can work together to get you a home loan or refinance your existing mortgage.
STEP 1
Apply Online or Call Directly
Find out how much home you can buy or discover how much you can save by refinancing.
STEP 2
Review Home Loan Options
Learn your learn exactly how much you qualify for, what your payments will be, and how soon you can get approved.
STEP 3
Get Loan Approval
Get mortgage loan approval to move forward with your refinance or get started shopping for your new home.
Steve Prewitt
Mortgage Expert
Get a personalized and successful home loan approval experience
See how much you qualify for in 60 seconds or less.
Loan Resources
Loan Officer
Steve Prewitt, Mortgage Expert
NMLS# 2534805