3CALoan

3CALoan specializes in handling unique and tricky financial situations, catering to borrowers who may face challenges in securing traditional financing. They offer a range of home loan programs designed to accommodate diverse income streams, self-employment scenarios, and credit profiles. Their niche products include stated income loans, bank statement loans, profit & loss loans, and ITIN loans, providing alternative documentation options for qualification.

The company distinguishes itself through its ability to stack income sources, combine bank statements with asset utilization, pensions, W2 income, and other types. They also offer solutions for cash-out refinancing through HELOCs or second loans without affecting existing low-interest first mortgages. Additionally, they cater to foreign nationals and provide DSCR loans for investment properties with no ratio option.

3CALoan aims to make home buying more affordable by offering low rates and helping customers check their loan eligibility in minutes with different and difficult scenarios. Their team provides efficient services and walks customers through every step of the process, ensuring a smooth and accessible experience.