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The complete RedZone lending library

Every serious financing lane. Organized like it matters.

The premium strategy stays up front. The full product depth lives here—individual, connected pages for real borrowers and real transactions, not one shallow alphabet-soup list.

Find your financing lane →Open the loan playbook

Start with who you are

The strategy before the product.

RedZone is positioned first for athletes, investors, private clients, business owners and commercial borrowers. Residential agency products remain fully represented without controlling the brand.

01

Professional athletes

Complex income. Privacy. Speed. A plan built beyond the next contract.

Explore the strategy →02

Real-estate investors

Nationwide business-purpose DSCR, Non-QM, bridge and portfolio capital.

Explore the strategy →03

Private clients

Jumbo, asset-based qualification, HELOCs and strategic equity access.

Explore the strategy →04

HELOC & equity

High-limit lines, fixed seconds and Texas cash-out comparisons that respect the first mortgage.

Explore the strategy →05

Commercial borrowers

Capital for eligible commercial properties, businesses and developments.

Explore the strategy →

01 · Product cluster

Private Client & Equity

14 dedicated pages
Texas consumer-purpose residential lending

Jumbo Mortgages

Financing above the applicable conforming loan limit, built around liquidity, reserves, income complexity and the full balance-sheet strategy.

View program guide →Texas consumer-purpose residential lending

Super-Jumbo Mortgages

Large-balance residential financing that typically demands a deeper review of assets, reserves, concentration risk and the borrower’s complete financial picture.

View program guide →Texas consumer-purpose residential lending

HELOCs

A revolving home-equity line that may create flexible access to liquidity without replacing an advantageous first mortgage.

View program guide →Texas consumer-purpose residential lending

High-Limit HELOCs

Larger revolving equity lines for qualified borrowers with substantial property equity, liquidity and a high-limit use case.

View program guide →Texas consumer-purpose residential lending

Home-Equity Loans

A closed-end loan secured by available home equity, generally providing a fixed amount with a defined repayment schedule.

View program guide →Texas consumer-purpose residential lending

Closed-End Second Mortgages

A second-lien mortgage with a fixed principal amount and defined term that can preserve an existing first-lien structure.

View program guide →Nationwide qualifying business-purpose investment-property financing

Investment-Property HELOCs

A business-purpose revolving line secured by an eligible investment property, when available through an approved lender.

View program guide →Texas consumer-purpose residential lending

HELOC vs. Cash-Out Refinance

A decision page for comparing a second-lien line with replacement of the first mortgage to access qualified Texas home equity.

View program guide →Texas consumer-purpose residential lending

Texas Home-Equity and HELOC Rules

Plain-language education on the special constitutional and transaction rules that can affect loans secured by a Texas homestead.

View program guide →Texas consumer-purpose residential lending

Texas Section 50(a)(6) Cash-Out Refinancing

Texas homestead cash-out refinancing structured under the state’s Section 50(a)(6) home-equity framework.

View program guide →Texas consumer-purpose residential lending

Asset-Depletion Loans

An alternative qualification method that converts eligible assets into a calculated income stream under a lender’s formula.

View program guide →Texas consumer-purpose residential lending

Asset-Utilization Loans

Lender-specific qualification that uses eligible liquid assets as a primary capacity measure for a residential mortgage.

View program guide →Texas consumer-purpose residential lending

Second-Home Financing

Financing for an eligible Texas second home with occupancy, property and borrower requirements distinct from an investment property.

View program guide →Texas consumer-purpose residential lending

Bridge Financing

Short-term residential financing designed around an identified transition, sale or liquidity event.

View program guide →

02 · Product cluster

Investor & Non-QM

19 dedicated pages
Nationwide qualifying business-purpose investment-property financing

DSCR Loans

Business-purpose investment-property financing that evaluates the property’s rental cash flow under the lender’s debt-service-coverage method.

View program guide →Nationwide qualifying business-purpose investment-property financing

Long-Term Rental Financing

Capital for stabilized or stabilizing residential rental property held for recurring tenant income and long-term appreciation.

View program guide →Nationwide qualifying business-purpose investment-property financing

Short-Term Rental and Airbnb Financing

Business-purpose financing for eligible properties operated or intended as short-term rentals, subject to lender and local-market acceptance.

View program guide →Nationwide qualifying business-purpose investment-property financing

Portfolio Investor Loans

Financing designed for operators managing multiple rental properties, obligations, entities and acquisition plans.

View program guide →Texas consumer residential; nationwide qualifying business-purpose investment financing

Bank-Statement Loans

Alternative-documentation financing that evaluates eligible bank deposits under a lender-specific income calculation.

View program guide →Texas consumer residential; nationwide qualifying business-purpose investment financing

1099-Only Loans

Alternative qualification using eligible 1099 income and a lender-defined expense treatment instead of a full traditional tax-return analysis.

View program guide →Texas consumer residential; nationwide qualifying business-purpose investment financing

Profit-and-Loss-Only Loans

Alternative-documentation lending using an eligible business profit-and-loss statement under an approved lender methodology.

View program guide →Nationwide qualifying business-purpose investment-property financing

No-Ratio Investor Loans

A narrow business-purpose category that may not calculate traditional personal debt-to-income or a standard DSCR ratio, subject to strong compensating factors.

View program guide →Texas consumer residential; nationwide qualifying business-purpose investment financing

Alternative-Documentation Loans

A broad Non-QM category using approved documentation other than the standard agency income package.

View program guide →Nationwide qualifying business-purpose investment-property financing

Investor Cash-Flow Programs

Business-purpose loan structures that analyze eligible property revenue and debt obligations to support investment financing.

View program guide →Nationwide qualifying business-purpose investment-property financing

Foreign-National Investor Loans

Business-purpose investment-property financing for eligible non-U.S. citizens who meet lender identity, asset, visa and property requirements.

View program guide →Nationwide qualifying business-purpose investment-property financing

ITIN Investment Programs

Business-purpose investment financing for eligible borrowers using an Individual Taxpayer Identification Number under an approved lender program.

View program guide →Nationwide qualifying business-purpose investment-property financing

Recent-Credit-Event Programs

Specialty Non-QM financing that may consider eligible borrowers after a more recent bankruptcy, foreclosure, short sale or other major credit event.

View program guide →Nationwide qualifying business-purpose investment-property financing

Fix-and-Flip Loans

Short-term business-purpose financing for acquisition and eligible renovation of property intended for resale or another defined exit.

View program guide →Nationwide qualifying business-purpose investment-property financing

Ground-Up Construction Loans

Business-purpose construction capital for eligible residential investment projects from land or foundation through completion.

View program guide →Nationwide qualifying business-purpose investment-property financing

Rental Portfolio Refinancing

Refinancing strategy across multiple rental assets to improve maturity, cash flow, leverage or operational simplicity.

View program guide →Nationwide qualifying business-purpose investment-property financing

Investment-Property Cash-Out Refinance

Business-purpose refinancing that may release eligible equity from a residential investment property.

View program guide →Nationwide qualifying business-purpose investment-property financing

5–8 Unit Financing

Specialty financing for eligible residential investment properties with five to eight units, a segment between ordinary one-to-four-unit and larger multifamily lending.

View program guide →Nationwide qualifying business-purpose investment-property financing

Private-Money and Hard-Money Solutions

Asset-focused short-term business-purpose capital for eligible acquisitions, transitions or projects where speed and collateral carry more weight.

View program guide →

03 · Product cluster

Commercial Financing

23 dedicated pages
Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Commercial Real-Estate Loans

Capital for eligible income-producing or owner-occupied commercial property, matched to property economics, sponsorship and business plan.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Multifamily Financing

Financing for eligible apartment and multifamily properties, from small-balance acquisitions to larger stabilized or transitional assets.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Mixed-Use Financing

Financing for eligible properties combining residential and commercial uses under one collateral and operating plan.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Office Property Loans

Commercial financing for eligible office assets, evaluated around tenant durability, rollover, market demand and sponsor plan.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Retail Property Loans

Financing for eligible single-tenant, multi-tenant and owner-occupied retail real estate.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Industrial and Warehouse Loans

Commercial capital for eligible warehouse, distribution, flex and light-industrial properties.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Medical and Dental Property Loans

Financing for eligible medical, dental and healthcare-oriented real estate, including owner-occupied facilities.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Hospitality Financing

Specialized capital for eligible hotels and hospitality assets based on brand, operations, seasonality, market and sponsor strength.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Self-Storage Financing

Financing for eligible stabilized, expanding or developing self-storage facilities.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Mobile-Home Park Financing

Commercial financing for eligible manufactured-housing communities and mobile-home parks.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

RV Park Financing

Commercial capital for eligible recreational-vehicle parks and related hospitality-style operating properties.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Owner-Occupied Commercial Real Estate

Financing for eligible real estate occupied by the borrower’s operating business.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Commercial Construction Loans

Construction financing for eligible income-producing or owner-occupied commercial projects.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Land Acquisition Loans

Capital for eligible land purchases tied to a credible business-purpose development or hold strategy.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Development Financing

Capital for eligible horizontal development, infrastructure and project creation before or alongside vertical construction.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Commercial Bridge Loans

Short-term commercial debt for eligible acquisition, stabilization, lease-up, renovation or another defined transition.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Permanent Commercial Financing

Longer-term debt for eligible stabilized commercial assets with durable cash flow and ownership plans.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Commercial Refinance

Replacement or restructuring of existing eligible commercial-property debt around current value, cash flow and business plan.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Commercial Cash-Out Financing

Eligible commercial refinancing that releases a portion of property equity for an approved business purpose.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

SBA 7(a) Financing

Government-guaranteed small-business financing that may support eligible business acquisition, real estate, working capital and other approved uses through participating lenders.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

SBA 504 Financing

Long-term fixed-asset financing delivered through an eligible lender and Certified Development Company structure for qualifying owner-occupied projects.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Private-Credit Solutions

Non-bank commercial capital for eligible transactions requiring speed, complexity tolerance, transitional leverage or flexible structuring.

View program guide →Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel

Alternative-Capital Solutions

A strategy category for eligible debt, structured credit and other lender-network options outside a standard bank mortgage.

View program guide →

04 · Product cluster

FHA

6 dedicated pages
01FHA Purchase LoansGovernment-insured purchase financing for eligible Texas primary residences under FHA and lender requirements.02FHA Rate-and-Term RefinanceAn eligible FHA refinance intended to replace existing debt without advertising a Texas FHA cash-out product.03FHA Streamline RefinanceA simplified refinance path for eligible existing FHA-insured loans, subject to net-tangible-benefit and lender requirements.04FHA 203(k) Renovation LoansEligible FHA financing that combines a Texas primary-residence purchase or refinance with approved renovation costs.05FHA Construction and One-Time-Close ProgramsFHA construction financing for eligible Texas primary residences when an approved lender, builder and project structure are available.06FHA Loans with Down-Payment AssistanceAn eligible FHA first mortgage paired with a compatible assistance source for a qualified Texas homebuyer.

05 · Product cluster

Conventional

13 dedicated pages
01Conventional Purchase LoansTexas home-purchase financing under eligible conventional, Fannie Mae, Freddie Mac or lender guidelines.02Conventional Rate-and-Term RefinanceA Texas conventional refinance focused on replacing eligible existing debt without an ordinary cash-out objective.03Conventional Cash-Out RefinanceConventional equity-access refinancing for eligible Texas properties, subject to occupancy and Texas home-equity rules when the collateral is a homestead.04Fannie Mae Conforming LoansEligible Texas conventional financing under Fannie Mae’s current selling-guide and automated-underwriting framework.05Freddie Mac Conforming LoansEligible Texas conventional financing under Freddie Mac’s current seller-servicer and automated-underwriting framework.06High-Balance Conforming LoansConforming financing above the baseline limit in eligible high-cost areas, subject to current county limits and agency rules.07HomeReady LoansFannie Mae’s eligible low-down-payment conventional option for qualifying Texas borrowers and primary residences.08Home Possible LoansFreddie Mac’s eligible low-down-payment conventional option for qualifying Texas borrowers and primary residences.09Three-Percent-Down Conventional ProgramsEligible conventional purchase structures with a three-percent down payment for qualifying Texas borrowers and properties.10First-Time Homebuyer Conventional LoansA comparison hub for conventional options available to eligible Texas first-time homebuyers.11Conventional Renovation LoansEligible conventional financing that combines a Texas home purchase or refinance with approved renovation costs.12Conventional Investment-Property LoansEligible conventional financing for one-to-four-unit residential investment property under current agency and lender requirements.13Conventional Construction LoansEligible construction financing for a Texas owner-occupied residence under an approved lender and builder program.

06 · Product cluster

VA

4 dedicated pages
01VA Purchase LoansEligible VA-guaranteed financing for a Texas primary-residence purchase by a qualified Veteran, service member or surviving spouse.02VA Interest Rate Reduction Refinance LoansThe VA IRRRL is an eligible streamline-style refinance for an existing VA loan, subject to benefit, seasoning and lender requirements.03VA Jumbo LoansLarge-balance VA financing for eligible Texas primary residences, structured around entitlement, lender limits and borrower capacity.04VA Construction LoansVA construction financing for an eligible Texas primary residence when an approved lender, builder and project structure are available.

07 · Product cluster

USDA

3 dedicated pages
01USDA Purchase LoansEligible USDA-guaranteed purchase financing for qualifying Texas households and primary residences in eligible rural areas.02USDA Rate-and-Term RefinanceA USDA refinance path for eligible existing USDA direct or guaranteed loans, without cash-out proceeds; not a general refinance of conventional debt into USDA.03USDA Streamlined-Assist RefinanceA simplified refinance option for eligible existing USDA borrowers when the current program and lender requirements are satisfied.

08 · Product cluster

Down-Payment Assistance

6 dedicated pages
01Texas Down-Payment AssistanceA comparison starting point for eligible statewide and local Texas programs that may assist with down payment or closing costs.02TSAHC ProgramsTexas State Affordable Housing Corporation programs for eligible Texas homebuyers, subject to current funding and administrator rules.03TDHCA ProgramsTexas Department of Housing and Community Affairs homebuyer programs for eligible borrowers, subject to current administrator and funding rules.04Texas City and County Assistance ProgramsLocal assistance programs that may support eligible buyers within a specific Texas city, county or target area.05Garland Down-Payment AssistanceEducational guidance for Garland-area assistance through the applicable city or housing-finance administrator, subject to current funding and program approval.06Click n’ Close Down-Payment AssistanceInformation about eligible Click n’ Close assistance offerings available through approved channels, while RedZone consumer-purpose origination remains limited to Texas.

Non-negotiable

Availability is verified before advice turns into action.

  1. 01
    Texas consumer lane

    Owner-occupied consumer-purpose residential lending through RedZone is limited to Texas.

  2. 02
    Nationwide investor lane

    Qualifying business-purpose DSCR and Non-QM investment-property programs may be available nationwide.

  3. 03
    Eligible commercial lane

    Commercial capital depends on property, jurisdiction, lender and licensing eligibility.

  4. 04
    Nevada stop rule

    Nevada commercial, land and non-dwelling property inquiries cannot proceed through this website.