# Agent Portal > Powered by Bluevella Mortgage ## Posts - [Home Loans for Self-Employed](https://agent.bluevellamortgage.com/home-loans-for-self-employed/): Helping self-employed borrowers secure financing doesn’t have to be a challenge. At FNBA, we equip you with flexible Non-QM loan options tailored for self-employed clients. Instead of relying on traditional income documentation such as W-2s or full tax returns, our programs allow alternative income verification—including bank statements and 1099s—making qualification more achievable. Whether your client is a small business owner, independent contractor, gig worker, or freelancer, our self-employed mortgage solutions are designed to align with how they actually earn income, helping you close more deals with confidence. Minimum requirements : Contact Us Today! to learn more and start offering these […] - [DSCR 5-9 Unit - Copy](https://agent.bluevellamortgage.com/dscr-5-9-unit-copy/): A multi-family property loan that provides flexibility for business purpose borrowers. Ideal for Real Estate Investors or entities looking to invest in multi-family properties for business purposes, aiming to generate rental income and maximize property cash flow. Minimum requirements : Contact Us Today! to learn more and start offering these exceptional options to your clients! - [Super Jumbo](https://agent.bluevellamortgage.com/super-jumbo/): The Super Jumbo program is a specialty product for high-net-worth borrowers with solid, stable income and credit and considerable assets for down payment, closing costs and reserves. The collateral must be a prime real estate property within a prime real estate market. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Flex Select ITIN](https://agent.bluevellamortgage.com/flex-select-itin/): The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has an ITIN, for purposes of reporting taxes from passive income sources only, and is not employed in the U.S. A traditional U.S. credit report is not required for borrowers without a valid SSN. This program offers a clear path to financing and includes DACA. This program removes the barriers often faced by ITIN applicants, ensuring they have the same accessibility and ease as local borrowers. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Foreign National](https://agent.bluevellamortgage.com/foreign-national/): The Foreign National program is specially crafted for international borrowers, offering them a clear path to financing in a foreign landscape. A Foreign National is a non-U.S. citizen authorized to live in the U.S. on a temporary basis but does not meet the definition of a Non-Permanent Resident Alien. To be eligible, the borrower must live and work in another country and be a legal resident of that same country. Borrowers can navigate the loan process seamlessly with comprehensive documentation. This program removes the barriers often faced by international applicants, ensuring they have the same accessibility and ease as local […] - [DSCR Mixed & Multi](https://agent.bluevellamortgage.com/dscr-mixed-multi/): The Investor DSCR Mixed Use loan program is an investor’s dream come true for mixed-use properties. Here’s why: It grants up to a generous 75% LTV with loan amounts spanning from $250K right up to $3M, making it suitable for a range of investments. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Flex Investor DSCR](https://agent.bluevellamortgage.com/flex-investor-dscr/): This program is designed for one to four family business purpose loans that offer an elegant blend of flexibility and robust features, catering specifically to the discerning investor. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. The inclusion of a 2/1 temporary buydown reflects its adaptability to different financial strategies. Furthermore, its diverse DSCR options, coupled with provisions for short-term rental, emphasize its relevance in today’s dynamic investment landscape. With a foundational FICO requirement of 640 and an accommodating LTV threshold, this program is both inclusive and prudent. It […] - [Flex DSCR Supreme](https://agent.bluevellamortgage.com/flex-dscr-supreme/): This one to four family investment property program offers an elegant blend of flexibility and robust features, catering specifically to the highly credit qualified investor for their business purpose loan needs. It allows for streamlined income verification through market rent or lease agreements, highlighting its commitment to ease and efficiency. It is complemented by versatile property type options and judicious financial provisions, solidifying its position as a premium choice for serious investors. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Flex Second Lien](https://agent.bluevellamortgage.com/flex-second-lien/): The 2nd lien loan program is tailored for those seeking flexible financing solutions. It allows your borrowers to tap into up to 85% CLTV, with loan amounts ranging from $125K to $500K. Whether they’re eyeing a new purchase or considering a cash-out, this program has them covered. It’s versatile, catering to both owner-occupied and second homes. Plus, with a minimum FICO of 680, it focuses on the primary wage earner’s middle score for qualification. And to add a cherry on top, the program offers the choice of full documentation or alternative docs like bank statements and 1099s. Your borrowers can […] - [Flex Select ](https://agent.bluevellamortgage.com/flex-select/): The Flex Select program is a Non-QM loan solution designed with precision and flexibility in mind. With an LTV of up to 90% and a wide loan amount range, it’s suitable for diverse financial scenarios. The program’s core strength lies in its adaptability, whether for owner-occupied residences, second homes or investment properties, it provides a structured yet accommodating approach. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Flex Supreme](https://agent.bluevellamortgage.com/flex-supreme/): Flex Supreme is at the top of the NQM programs offering the best pricing for the most qualified borrowers who do not have any credit challenges and possess very stable employment, income and assets history. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Conventional High Balance](https://agent.bluevellamortgage.com/conventional-high-balance/): A Conventional High Balance Loan is designed for buyers who need financing that exceeds the national conforming loan limit, but still falls within the local loan limits set for high-cost counties.  Program features Why choose our Conventional High Balance? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Freddie Mac Home Possible](https://agent.bluevellamortgage.com/freddie-mac-home-possible/): Freddie Mac Home Possible is a mortgage program designed to help low- and moderate-income buyers achieve homeownership. It offers low down payment financing with discounted fees and flexible loan options, making it easier to qualify for a mortgage. Program features Why choose our Freddie Mac Home Possible? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Fannie Mae HomeReady](https://agent.bluevellamortgage.com/fannie-mae-homeready/): Fannie Mae’s HomeReady mortgage is a lifeline for creditworthy, low- and moderate-income borrowers seeking to purchase or refinance a home. It offers the security of a Conventional loan with potential cost savings on mortgage insurance. Qualifying for a HomeReady mortgage can be easier thanks to a lower down payment option and flexible sources of down payment funds. Program features Why choose our Fannie Mae HomeReady? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Freddie Mac Refi Possible](https://agent.bluevellamortgage.com/freddie-mac-refi-possible/): The Freddie Mac Refi Possible program is designed to help low- and moderate-income homeowners refinance their mortgages to lower their monthly payments. It offers flexible options for those who may not qualify for traditional refinance programs. Program features Why choose our Freddie Mac Refi Possible? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Fannie Mae RefiNow](https://agent.bluevellamortgage.com/fannie-mae-refinow/): The Fannie Mae RefiNow program is a refinance option for lower-income homeowners with Fannie Mae-held mortgages. It aims to make refinancing easier and more affordable by simplifying the process and offering potential interest rate reductions. Program features Why choose our Fannie Mae RefiNow? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [1099](https://agent.bluevellamortgage.com/foreign-national-dscr-2/): Our 1099 loan is a solution for self-employed and contract borrowers that allows them to use their 1099 forms to report various types of non-employment income received during the tax year. Program features Why choose our 1099? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [WVOE](https://agent.bluevellamortgage.com/wvoe/): The WVOE program is a unique category of mortgage solutions that differs from Conventional or Government financing options. This program verifies income through a Written Employer Verification (WVOE) form completed by a borrower’s current employer, rather than relying on tax returns. The program provides innovative solutions for borrowers who lack traditional tax returns or W-2s, have complex financial profiles, or have difficulty qualifying for Conventional mortgages. Program features Why choose our WVOE? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Asset Utilization](https://agent.bluevellamortgage.com/asset-utilization/): Our Asset Utilization mortgage program is designed for those who may not have easily quantifiable sources of income, such as the self-employed, entrepreneurs, retirees, and those living off their investments. This program allows them to use their personal assets as a means to qualify for a home mortgage, providing flexibility in obtaining financing. Program features Why choose our Asset Utilization? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [1Y or 2Y Full Doc Non-QM](https://agent.bluevellamortgage.com/1y-or-2y-full-doc-non-qm/): Our Full Doc Non-QM loans are a perfect solution for small business owners, investors, or other self-employed individuals who believe they may not qualify for a traditional agency loan. Program features Why choose our 1Y or 2Y Full Doc Non-QM? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Second Mortgage](https://agent.bluevellamortgage.com/second-mortgage/): Our Second Mortgage is designed to provide an additional financing option for homeowners who are looking to borrow money against the equity in their homes. A Second Mortgage can be used for a variety of purposes, including home renovations, debt consolidation, or other expenses. With this program, you can help your clients unlock the financial potential of their homes while expanding your lending offerings. Program features Why choose our Second Mortgage? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [1Y & 2Y P&L](https://agent.bluevellamortgage.com/1y-2y-pl/): Our Non-QM 1-year and 2-year P&L loans are designed for self-employed individuals. These loans allow borrowers to use their business’s Profit & Loss (P&L) statements to qualify, bypassing traditional income verification. Program features Why choose our 1Y & 2Y P&L? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [FHA Eyes BNPL Impact as Market Shifts — Are You Ready?](https://agent.bluevellamortgage.com/fha-eyes-bnpl-impact-as-market-shifts-are-you-ready/): FHA Seeks Input as FICO Plans Credit Score Inclusion BNPL use is rising among first-time buyers, but it’s often hidden from mortgage underwriting. The FHA is asking for public input by August 25, as FICO plans to include BNPL in credit scores by late 2025. With a more balanced housing market emerging, agents need to stay informed and guide clients wisely. - [12/24 Month Bank Statement](https://agent.bluevellamortgage.com/12-24-month-bank-statement/): Our 12/24 Month Bank Statement loan is a perfect Non-QM loan for the self-employed. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify. Program features Why choose our 12/24 Month Bank Statement? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [June Jobs Boost Economy as Mortgage Rates Slide](https://agent.bluevellamortgage.com/june-jobs-boost-economy-as-mortgage-rates-slide/): Fed Holds Steady Amid Job Growth and Mortgage Rate Drop In June, the U.S. economy added 147,000 jobs, reinforcing the Federal Reserve’s current stance to keep interest rates steady. Chair Jerome Powell signaled that rate cuts may happen later this year if inflation slows, but for now, patience prevails. Meanwhile, mortgage regulator Bill Pulte is calling for a congressional investigation into Powell, adding political tension to the Fed’s decision-making. - [Market Watch](https://agent.bluevellamortgage.com/whats-new-in-housing/): Foreclosure Prevention Up, Consumer Confidence Down In Q1 2025, Fannie Mae and Freddie Mac helped prevent over 60,000 foreclosures, contributing to a total of 7.1 million actions since 2008. Forbearance activity continues to decline, with only 0.13% of loans in forbearance. However, foreclosure starts and sales saw slight increases, especially in Florida, California, and Texas. On the consumer side, confidence dropped by 5.4 points in June, reflecting growing concerns about the economy. Additionally, new home construction has fallen to its lowest level in five years, signaling ongoing challenges in the housing market. - [Loan up to 15mm](https://agent.bluevellamortgage.com/loan-up-to-15mm/): Most lenders cap their lending limits at 4MM to 5MM, but we’ve got you covered for loans up to 15MM. We’re here to help. *Disclaimer, this product is only available in the state of Florida. Program features Contact Us Today! To learn more and start offering these exceptional options to your clients! - [What’s New in Housing](https://agent.bluevellamortgage.com/whats-changing-in-real-estate/): Fed Moves, Buyer Trends & Policy Shifts In this update, the Federal Reserve holds interest rates steady but signals two possible cuts later this year, as they monitor inflation and trade impacts. Meanwhile, homebuyer down payments have declined for the first time in nearly two years, though they remain stable as a percentage of purchase price. All-cash sales are slightly down, and government-backed loans like FHA and VA are becoming more common. On the policy front, the House has passed the Homebuyers Privacy Protection Act, which now awaits final approval after reconciliation with the Senate version. - [DSCR](https://agent.bluevellamortgage.com/dscr/): Our DSCR loan program is specifically designed to assist new and experienced real estate investors in financing their properties, qualifying based on the cash flow generated by the investment Program features Why choose our Foreign National DSCR? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Big Global Moves That Could Impact Your Mortgage!](https://agent.bluevellamortgage.com/big-global-moves-that-could-impact-your-mortgage/): Privacy, Foreign Investment & Rates South Korea is ramping up its investment in U.S. mortgage-backed securities through a new deal with HUD and Ginnie Mae, showing strong foreign interest despite ongoing trade tensions. Meanwhile, the Senate has approved the Homebuyers Privacy Protection Act to curb unwanted credit offers from trigger leads and enhance consumer privacy. Additionally, the Iran-Israel conflict is pushing global investors towards safer assets like U.S. Treasurys, which might lower mortgage rates but also add uncertainty to the housing market. - [Foreign National DSCR](https://agent.bluevellamortgage.com/foreign-national-dscr/): Our DSCR Foreign National loan is designed for individuals living abroad who are interested in purchasing or refinancing investment property in the US. This is a DSCR program, meaning a borrower qualifies based on the cash flow generated by the investment, no income is required. Program features Why choose our Foreign National DSCR? Contact Us Today! To learn more and start offering these exceptional options to your clients! - [What May 2025's Mortgage Update Isn't Telling You Yet...](https://agent.bluevellamortgage.com/what-may-2025s-mortgage-update-isnt-telling-you-yet/): Housing Inventory Rises, Job Market Steady, and Policy Watch Housing inventory surpassed 1 million listings, up 31.5% year-over-year. The median listing price is $440,000, with homes on the market for 51 days. The labor market added 139,000 jobs, keeping the unemployment rate at 4.2%. Senate Democrats urge delaying the reprivatization of Fannie Mae and Freddie Mac due to market stability concerns. - [Equity Advantage HELOC](https://agent.bluevellamortgage.com/equity-advantage-heloc/): Standalone Home Equity Line of Credit mortgage loan product that allows borrowers to tap into their home equity without giving up their existing low-interest rate mortgage. Minimum requirements : Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Market Moves: What’s Really Happening in Housing Right Now](https://agent.bluevellamortgage.com/market-moves-whats-really-happening-in-housing-right-now/): What’s Really Happening in Housing Right Now Even with mortgage rates climbing to 6.98%—the highest since January—buyer demand remains strong. Mortgage applications are up, driven by increased housing inventory. While refinance activity dropped slightly, it still outpaces last year. Inflation is cooling, nearing the Fed’s target, but global trade tensions keep the outlook uncertain. Meanwhile, a record gap between sellers and buyers could push home prices down, opening doors for new buyers. - [Equity Advantage Closed End Second](https://agent.bluevellamortgage.com/equity-advantage-closed-end-second/): This product is aimed at homeowners (including primary residences, second homes, and investment properties) who want to access their home equity without changing their existing first mortgage. Ideal for those with good credit, verifiable income, and a desire to keep their current mortgage rate. Minimum requirements : Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Housing Market Set to Improve as Rates Fall and Reforms Roll Out](https://agent.bluevellamortgage.com/housing-market-set-to-improve-as-rates-fall-and-reforms-roll-out/): Housing Market Set to Improve as Rates Fall and Reforms Roll Out Fannie Mae has raised its home sales forecast for 2025 and 2026, driven by falling mortgage rates and better affordability. Home price growth is slowing, creating a more stable market for buyers. Meanwhile, regulatory changes—like the move to bi-merge credit reports and new scoring models—aim to cut costs and increase competition. Overall, the outlook is positive for future homebuyers.  - [Jumbo-Prime](https://agent.bluevellamortgage.com/jumbo-prime/): Jumbo-Prime offers customized financing for high-value homebuyers, with loan amounts up to $3 million and no PMI. Flexible guidelines include credit scores from 660, DTIs up to 43%, and LTVs up to 89.99% (up to $2M). Ideal for financially strong borrowers purchasing or refinancing primary, second, or investment properties with full documentation per Appendix Q standards. Minimum requirements : Contact Us Today! To learn more and start offering these exceptional options to your clients! - [U.S. Housing Market: Stable Commissions, Mixed Construction Signals, and a Slow Spring Season](https://agent.bluevellamortgage.com/u-s-housing-market-stable-commissions-mixed-construction-signals-and-a-slow-spring-season/): Fed study shows little impact on buyer agent fees, housing starts rebound slightly, and homebuying activity remains sluggish A Fed study found that buyer agreements haven’t significantly lowered real estate commissions, which remain stable. April saw a slight rise in housing starts but a drop in permits, as builders face high material costs. Spring homebuying is off to a slow start, with contract signings at their lowest since 2020 and listings at their highest since 2019. - [Non-Prime](https://agent.bluevellamortgage.com/non-prime/): Customized lending solutions designed to support borrowers in the process of reestablishing creditworthiness following recent financial hardships or derogatory credit events. Minimum requirements : Contact Us Today! To learn more and start offering these exceptional options to your clients! - [Housing Market Faces Mixed Signals](https://agent.bluevellamortgage.com/housing-market-faces-mixed-signals/): U.S. Housing and Economic Outlook: Fed Holds Rates, USDA Eases Access to Rural Homes, Consumer Sentiment Drops The Fed held interest rates steady amid trade policy uncertainty. The USDA expanded rural loan access to manufactured homes to boost affordability. Yet, consumer confidence remains low due to high prices, despite growing job security and income gains. - [Expanded-Prime](https://agent.bluevellamortgage.com/expanded-prime/): Creditworthy borrowers who have recovered from a past housing event (like foreclosure or bankruptcy) and are now looking for flexible mortgage options—especially self-employed individuals and real estate investors. Minimum requirements : Contact Us Today! to learn more and start offering these exceptional options to your clients! - [Real Estate Market Update](https://agent.bluevellamortgage.com/real-estate-market-update/): Key Highlights Agent commission rates have remained largely unchanged nearly nine months after new rules from a major legal settlement took effect, providing stability for both agents and clients. Meanwhile, the Consumer Financial Protection Bureau (CFPB) has paused the implementation of key consumer protections, including a rule that would have removed medical debt from credit reports—meaning such debt will continue to affect credit scores for now. Starting in May, the FHA, and USDA will end loan eligibility for certain non-citizen borrowers, including DACA recipients and work visa holders, which could significantly impact access to government-backed loans. On a more positive […] - [DSCR 5-9 Unit](https://agent.bluevellamortgage.com/dscr-5-9-unit/): A multi-family property loan that provides flexibility for business purpose borrowers. Ideal for Real Estate Investors or entities looking to invest in multi-family properties for business purposes, aiming to generate rental income and maximize property cash flow. Minimum requirements : Contact Us Today! to learn more and start offering these exceptional options to your clients! - [Opportunities for Buyers Amid Slowing Sales](https://agent.bluevellamortgage.com/opportunities-for-buyers-amid-slowing-sales/): March Housing Market Update In March, existing home sales dropped by 5.9%, marking the slowest March since 2009. Homes are also taking longer to sell, averaging 73 days on the market so far in 2025—about 12 to 13 days more than the same period last year. This shift is creating a unique opportunity for buyers, especially on properties that have been listed for over 30 days, where seller concessions become more negotiable.Seller concessions can be a powerful tool, particularly when used to buy down interest rates—either temporarily or for the life of the loan. FHA loans allow up to 6% […] - [Offer Your Clients Affordable Homeownership with 3% Down Conventional Loans!](https://agent.bluevellamortgage.com/offer-your-clients-affordable-homeownership-with-3-down-conventional-loans/): Are you a realtor looking to provide your clients with accessible and affordable financing options? Our conventional loans with just 3% down are designed to help more people achieve their dream of homeownership. Why Choose 3% Down Conventional Loans? Eligible Property Types: Program Benefits: Empower your clients with the benefits of 3% down conventional loans and help them secure their dream homes. Partner with us today! Contact Us Now to learn more and start offering these exceptional options to your clients! - [Real Estate Faces New Rules and Economic Pressure](https://agent.bluevellamortgage.com/real-estate-faces-new-rules-and-economic-pressure/): Real Estate Faces New Rules and Economic Pressure Economic uncertainty is reshaping the housing market. Tariff fears—especially from President Trump’s April plan—have led 24% of Americans to cancel major purchases like homes or cars, while 32% are delaying them. These pressures impact not just buying behavior, but overall confidence in the market. Redfin is also making waves by banning delayed or “pocket” listings from its platform. The goal: make all homes equally accessible from the start. For agents, this change highlights the importance of transparency and fair competition. At the same time, $731 billion in home equity remains out of […] - [Rise in Foreclosure Activity and U.S. Inflation Update](https://agent.bluevellamortgage.com/rise-in-foreclosure-activity-and-u-s-inflation-update/): Rise in Foreclosure Activity and U.S. Inflation Update Foreclosure filings rose 11% in Q1 2025 compared to the previous quarter but remain 2% lower than last year. March saw 35,890 properties in foreclosure, up 11% from February and 9% year-over-year. Zillow will enforce new listing rules in May, requiring properties to be listed on MLS within 24 hours of posting online, causing friction with Compass. U.S. inflation fell to 2.4% in March, below forecasts, reflecting tariff policy shifts by President Trump. Trigger Lead Legislation was reintroduced to enhance consumer privacy after credit checks. Lastly, over 100 Fannie Mae employees were […] - [Mortgage Rates Drop Sharply](https://agent.bluevellamortgage.com/mortgage-rates-drop-sharply/): UWM Rolls Out ‘Refi Shield’ Amid Court Victories Last Friday, mortgage rates fell to 6.63%, the lowest in five months, following a stock market sell-off. United Wholesale Mortgage (UWM) affirmed its “All In” policy in court, penalizing brokers who work with Rocket Mortgage and Fairway Independent Mortgage, and introduced “Refi Shield 100” to reclaim loans from Mr. Cooper Group. Employers added 228,000 new jobs in March, but the unemployment rate rose to 4.2% as the labor force participation rate increased. The inventory of unsold new homes reached a 15-year high of 119,000 in February 2025. - [FHA Non-Permanent Update](https://agent.bluevellamortgage.com/fha-non-permanent-update/): The new FHA rule, effective May 25, 2025, will eliminate eligibility for non-permanent residents to access FHA-insured mortgages. This change is part of a broader effort to prioritize U.S. citizens and lawful permanent residents for federal housing benefits. - [ITIN Home loans](https://agent.bluevellamortgage.com/itin-home-loans/): Are you a realtor looking to offer your clients the best financing solutions? Look no further! With us you will provide unique benefits that cater to diverse property types and financial situations. Empower your clients with tailored financing solutions and help them achieve their homeownership dreams. Highlights: Property Types: Program Details: Contact Us Now to learn more and start offering these exceptional options to your clients! - [Expand Your Clients' Homeownership Opportunities with FHA Loans!](https://agent.bluevellamortgage.com/expand-your-clients-homeownership-opportunities-with-fha-loans/): Are you a realtor looking to provide your clients with accessible and affordable financing options? Our FHA insured loans are designed to help more people achieve their dream of homeownership. Why Choose FHA Loans? Eligible Property Types: Program Benefits: Empower your clients with the benefits of FHA insured loans and help them secure their dream homes. Partner with us today! Contact Us Now to learn more and start offering these exceptional options to your clients! - [Empower Veterans with Exceptional VA Loan Benefits!](https://agent.bluevellamortgage.com/empower-veterans-with-exceptional-va-loan-benefits/): Are you a realtor looking to provide your veteran clients with the best financing options? Our VA loans offer unparalleled benefits designed to honor their service and make homeownership more accessible. Why Choose VA Loans? Eligible Property Types: Program Benefits: Empower your veteran clients with the benefits of VA loans and help them secure their dream homes. Partner with us today! Contact Us Now to learn more and start offering these exceptional options to your clients! - [Unlock Homeownership for Foreign Nationals with 25% Down Payment!](https://agent.bluevellamortgage.com/unlock-homeownership-for-foreign-nationals-with-25-down-payment/): Are you a realtor looking to provide your foreign national clients with exceptional financing options? Our foreign national loans with a 25% down payment are designed to make homeownership accessible and straightforward. Why Choose Foreign National Loans? Eligible Property Types: Program Benefits: Empower your foreign national clients with the benefits of our specialized loan programs and help them secure their dream homes in the U.S. Partner with us today! Contact Us Now to learn more and start offering these exceptional options to your clients! - [Sequoia Non-QM ](https://agent.bluevellamortgage.com/sequoia-non-qm/): If you’re not with a non-QM lender in 2024, you’re losing out on deals that are in your pipeline right now! Bluevella Mortgage’s full suite of non-QM products offers solutions to unlock your pipeline and help more buyers access homeownership. Sequoia Non-QM  ## Pages - [Loan Programs](https://agent.bluevellamortgage.com/loan-programs/): Load More Research Flood Map FHA Condo USDA Check Income Eligibility A multi-family property loan that provides flexibility for business purpose borrowers. Ideal for Real Estate Investors… The Super Jumbo program is a specialty product for high-net-worth borrowers with solid, stable income and… The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has… The Foreign National program is specially crafted for international borrowers, offering them a clear path to… The Investor DSCR Mixed Use loan program is an investor’s dream come true for mixed-use properties…. This program is designed for one to four family […] - [Agent Resources](https://agent.bluevellamortgage.com/agent-resources/): Resources Marketing Live Trainings Load More Research Search for:Search Button Flood Map FHA Condo USDA Check Income Eligibility Helping self-employed borrowers secure financing doesn’t have to be a challenge. At FNBA, we equip you with flexible Non-QM loan… A multi-family property loan that provides flexibility for business purpose borrowers. Ideal for Real Estate Investors or entities looking to… The Super Jumbo program is a specialty product for high-net-worth borrowers with solid, stable income and credit and considerable assets… The ITIN or Individual Taxpayer Identification Number program is specially crafted for the borrower who has an ITIN, for purposes… The Foreign […] - [Download Our APP](https://agent.bluevellamortgage.com/download-our-app/): Download Our Mobile App Easily apply, upload documents, and track your progress in real-time. 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