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Our Products

Our focus as a residential and commercial portfolio real estate lender* is to offer a custom product line designed to help clients who fall out of the FNMA, Freddie Mac, and the conventional square box of conforming loan standards.  Some of our many niches include jumbo mortgages with credit scores as low as 660, no seasoning requirements for self-employed borrowers, investor purchase and rehab projects, and commercial mortgages.

*We lend in the Mid- Atlantic market including Maryland, New York, New Jersey, Pennsylvania, and Delaware.

 

Take a closer look at what our in-house processing and underwriting team can do:

 Residential and Commercial Loans  

 True Portfolio Lender every loan we underwrite stays on our books 

 Easy, online application process with the ability to upload all of your supporting loan documentation

 Direct Communication you can speak directly with a skilled mortgage  professional throughout the process

 Creative Thinking we think outside the guidelines and look for reasons to make loans

 Fixed and Adjustable Rate Mortgages

 No Mortgage Insurance

 Jumbo Loans credit scores as low as 660, up to 85% LTV, up to $2MM - higher loan amounts available on a case-by-case basis

 Self Employed will consider limited seasoning and creative income documentation

 Non-Owner Occupied investors looking to purchase or refinance, including rehabs

 Purchase Money up to 85% LTV - with no mortgage insurance requirements

 Close in the Name of a Corporation, Trust, or LLC

 Purchase Money with Rehab Funds ESB’s version of the 203K Loan Program

 Non-Warrantable Condos where compensating factors exist

 No Seasoning Requirements on title, on employment, or on income

 Co-ops purchase and refinance

 Unique collateral - unacceptable to conforming lenders

 Expandable Income Analysis – part-time and over-time incomes, including bonuses (limit of 12 bonuses considered)

 No Minimum Tradelines or Credit History Required

 Blanket, Bridge, and Cross Lien Mortgages

 Loans to Foreign Nationals

 

 Submit your loan request online or call us directly at 1.800.787.LOAN today.