No more "asking around" for clients

Our Loan Programs

Standard Loans

We have some of the lowest rates in the industry and we can close in 20 days. Our 0% down FHA loan has been a real winner for agents and their clients lately. There is no income limit for this program and we just need the clients credit above 600.

Self Employed Loans

We have unique programs to help self-employed clients lower their down payment compared to traditional bank statement loans. We are even able to qualify assets as income to help them obtain conventional pricing.

Investment Loans

Agents love working with investors and so do we! We have put together a suite of investment loans to help your investor clients close with the best terms and close quickly. Most of these loans DO NOT REQUIRE a mortgage license!

Construction Loans

We have wonderful options for clients to buy their dream home we just 5% down. As well as, options to help clients fully renovate properties as a business. We also have construction loans for builders to help them finance the entire build.

No Doc on a Primary

This program is ideal for clients moving from one state to another without a job, or a client that is now retired with low income compared to the mortgage payment. We can qualify the client based on the down payment and credit score alone!

Airbnb Loans

Typical DSCR investment loans are not getting the job done when it comes to Airbnb income properties. The appraiser lowballs the rental figure and then the loan is no longer approved. We have a solution with our new Airbnb rental mortgage.

WHAT Agents are saying

They are very transparent and communicative with my clients, and offer some of the fastest loan processes and quickest closings I have ever seen. Great company!"

Janet

Agent/LO

TX

The team at Orca Home Loans is great! Not only do they communicate well and keep me updated on client files, but they go out of their way to find the best programs and save money.  Dan is incredibly helpful in preparing clients in the process and overcoming obstacles."

Debi

Agent/LO

FL

Grow Your Real Estate Investment
BusinesS with Our Industry
Leading Line of Credit

*No License Required to Earn Commission

CERTAINTY

A line of credit from Lima One provides you with certainty, knowing you have easily accessible capital for your investments, with reliable terms and structures, whenever you need it.

FLEXIBILITY

Your line of credit can be used to finance multiple product types, including new construction, bridge, build-to-rent, fix & flip, and rental properties.

SPEED

As a leading private lender, our average time from initial submission to borrower approval is under 10 days.

SIMPLICITY

One-time borrowers underwrite with a simple, non-invasive renewal process to extend credit line duration. This means once you’re approved, we only need to underwrite the property before funding, not the borrower.

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