If you're like most people, purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. If you're considering buying a home, you're likely aware of the complexity of the endeavor. Because of the numerous factors to consider when purchasing a home, it's important to prepare as best you can. At Cactus Lending Inc., we are dedicated to finding the loan that fits your individual needs .

Getting Started

Conventional Mortgage / FHA / VA

Qualify more first-time homebuyers with this Minimum 3.5% down payment solution.

Purchases up to 97% Loan to value

No income restrictions

Eligible for single family homes, including townhouses and 1-4 units condos 

No cash-out refinances available up to 95% LTV

High Balance Loan Programs / JUMBO Loan

$647,200+ loan amount is call high balance/jumbo loan

Loan to value as high as 90%

minimum 640+ FICO score

Fix rate or ARM rate program


The obvious choice for top-tier borrowers! Comprised of some of the best conventional rates and pricing in the industry, Elite program allows you to close quickly.

700+ FICO score

Loan amounts from $200,000 up to County Loan Limits

Includes FHA, Conventional, High Balance, jumbo and ARMs

Stated Income Programs / No-Doc Loan

Minimum 20% Down

No Tax Returns, No Paystubs, No W2
Can be Self Employed

100% Gift fund can be used

Business Income can be used

Alt-Doc Loan

You can qualify by providing bank statements, business P&L statement, or CPA letter.
No tax return or W2

Foreign National Program / iTIN (foreigner works in US) Program

Minimum 20% Down

No Tax Returns, No Paystubs

No international credit check or FICO*