Financing Solutions Available

At Pagan Sells, we provide a wide range of lending options to meet your specific financial and property goals. Whether you're a first-time homebuyer, an investor, or refinancing, we've got a loan to match your needs.

🏡 Conventional Loans

• Fixed-Rate Mortgage
  Stable interest rate over 15, 20, or 30 years — ideal for long-term budgeting.

• Adjustable-Rate Mortgage (ARM)
  Lower initial rate with periodic adjustments after an introductory period (e.g., 5/1 ARM).

• High-Balance & Jumbo Loans
  Designed for loan amounts exceeding conforming limits, perfect for high-value properties.

🏛️ Government-Backed Loans

• FHA Loans
  Flexible qualifications for first-time buyers with low down payments and credit scores.

• VA Loans
  No down payment or PMI for eligible veterans, service members, and select spouses.

• USDA Loans
  Zero down payment options for rural and suburban buyers with moderate income.

• Non-QM Loans
  Alternative qualification options for self-employed and non-traditional income earners.

• Bank Statement Loans
  Use personal or business bank statements instead of tax returns to qualify.

• Interest-Only Loans
  Pay interest-only for an initial period, then start paying principal.

• DSCR Loans
  Investor-focused loans based on rental income, not personal income.

🏢 Commercial & Investment Loans

💼 Specialty & Niche Loans

• Commercial Real Estate Loans
  Finance business or mixed-use properties with tailored loan solutions.

• Hard Money Loans
  Fast, asset-based financing — ideal for investors and property flippers.

• Bridge Loans
  Temporary financing to help you transition between buying and selling properties.

• Sale-Leasebacks
  Unlock capital by selling your commercial property and leasing it back — maintain operational control while freeing up cash.