Vintage Lending

09/16/2026

Official 2027 conforming loan limits haven’t been released but we’re honoring the following increased loan limits on conventional and VA loans (based on estimates ahead of the FHFA announcement) as of today, September 16, 2026:

$847,440 one-unit conventional and VA* loans (increased from $819,000)

Updated conforming limits are also available on 2-4-unit conventional loans

$1,085,059 two-unit conventional loans (increased from $1,048,500)

$1,311,535 three-unit conventional loans (increased from $1,268,000)

$1,630,005 four-unit conventional loans (increased from $1,575,000)

Apply Online www.pmccanhelp.com or email your loan scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

09/01/2026

09/01/2026

The Housing Choice Voucher (HCV) Homeownership Program allows eligible low-income families currently using Section 8 rental assistance to apply their voucher toward purchasing a first home and covering monthly homeownership expenses. [1, 2]
How the Program Works

• Monthly Assistance: Instead of paying a landlord, the public housing authority (PHA) provides a monthly subsidy to help with approved ownership costs like mortgage principal, interest, taxes, insurance, and utilities.
• Cost Split: Typically, the household contributes at least 30% of their adjusted monthly income toward the housing expenses, while the voucher covers the remaining eligible balance.
• Time Limits: Assistance is generally capped at 15 years if the initial mortgage term is 20 years or longer, and 10 years for shorter mortgages (elderly and disabled families are exempt from this limit). [3, 6]

Basic Eligibility Requirements

• Current HCV Status: You must already participate in the standard Housing Choice Voucher program.
• First-Time Buyer: All participating adults must be first-time homebuyers, meaning they have not owned a home in the last three years.
• Employment & Income: Most workable adults must meet minimum income thresholds and steady employment requirements (such as working at least 30 hours a week for a year), though exemptions exist for elderly or disabled family members.
• Counseling: Applicants must complete a pre-assistance housing counseling program certified by HUD or approved by the local PHA. [2, 3, 7, 8]

Next Steps to Apply

• Check Availability: Program adoption is optional, so you must confirm whether your local public housing agency administers an HCV homeownership option.
• Contact Your PHA: Reach out to your caseworker or local housing authority to see if the program is open and to get details on local application rules. You can review general federal guidelines directly through the U.S. Department of Housing and Urban Development (HUD).
• Explore the official HUD Exchange overview for detailed administrative rules.
• Read summary guidelines provided by USAGov for prospective first-time homebuyers. [2]

AI responses may include mistakes.

[1] https://www.hud.gov/helping-americans/public-indian-housing-hcv-homeownership
[2] https://www.usa.gov/home-ownership-voucher
[3] https://www.hudexchange.info/trainings/courses/hcv-overview-video-series-hcv-homeownership/
[4] https://www.communityhomepartners.com/events/the-housing-choice-vouchers-home-ownership-program
[5] https://www.youtube.com/watch?v=s5XCfB77KG8
[6] https://cmhanet.com/hcv-homeownership-program
[7] https://www.hudexchange.info/programs/public-housing/hcv-homeownership/
[8] https://fresnohousing.org/residents/hcv-homeownership/

HCV Homeownership ProgramThe Housing Choice Voucher (HCV) homeownership program allows families that are assisted under the HCV program to use their voucher to buy a home and receive monthly assistance in meeting homeownership expenses. The program is limited to first-time homeowners who have receiv...

08/30/2026

08/30/2026

Vacant Land Financing Made Simple
Have a borrower who needs financing for vacant land?

• Up to 65% LTV on purchases and rate/term refinances
• $100,000 to $1.2 million loan amounts
• Up to 20-year fully amortizing terms
• SSN and ITIN borrowers eligible
• Full Doc, P&L, and Ready Asset income options
• No prepayment penalty, EPO, or recapture
• No survey. No soil test. No utilities required.

Have a vacant land scenario that you are trying to place?

Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

08/20/2026

HELOC in as fast as 15 minutes. All online.

Lowest HELOC rate guaranteed — or get $250. Unlock your growing home equity faster and cheaper with our fully digital application process.

Check your offer:

https://flow.avenfoundry.com?i=58530e7b-f68d-4a1c-b456-9410201c019e

Checking your offer will NOT affect your credit score.

08/12/2026

Medical Professionals Loan - 100% Financing
Up to $2M No PMI
Purchase or Rate & Term
680+ FICO
Min LTV 90.01%
Apply Online

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

07/23/2026

Commercial Real Estate Loan Example Scenarios:
$13,000,000 - Construction ~ 62 unit apartment complex ~ 65% LTC (BRIDGE LOAN)
$1,000,000 - Retail ~ Refinance ~ 1yr term loan (BRIDGE LOAN)
$4,000,000 - Office ~ Investor Refinance ~ 15yr term loan
$1,605,000 – Medical Office ~ Refinance ~ 10yr term loan
$1,100,000 - Multifamily ~ Refinance ~ 30yr fully amortized 70% LTV
$3,750,000 - Industrial ~ Owner Occ cash-out Refinance ~ 5yr fixed
$1,165,000 - Industrial ~ Investor Real Estate Refinance ~ 10yr fixed
$1,000,000 - Retail Store ~ Owner Occ (BRIDGE LOAN)
$900,000 - Industrial ~ Investor Refinance (BRIDGE LOAN)
$1,075,000 - Retail ~ Investor Refinance 65% LTV
$1,000,000 - Retail ~ Owner Occ 25yr loan term; no prepayment penalty
$775,000 - Office ~ Owner Occ 25yr fully amortized projection based
$850,000 - Industrial ~ Owner Occ 20yr fully amortized ~ 10yr fixed
$1,100,000 - Hotel ~ 25yr fully amortized projection based
$700,000 - Multifamily ~ Refinance ~ 30yr fully amortized 70% LTV
$850,000 - Owner Occ special purpose property ~ 10yr fixed
$1,300,000 - Industrial ~ Owner Occ Purchase ~ 25yr fully amortized closed in 15 days
$15,175,000 - Construction ~ 82 unit hotel ~ 65% LTV

Need Financing? All 50 States. Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

07/22/2026

Manufactured Home on Leased Lot Financing:
• June 16, 1976 or newer (has HUD tags)
• Minimum FICO 600
• LTV up to 95% on primary
• Minimum loan amount after down payment - $100K
• Available for primary and secondary home purchases
• 20-25yr Term

Manufactured Home on Land Financing:
• ANY AGE!
• LTV 75% if older than June 15, 1976 with no HUD tags – Min FICO 680
• LTV 95% with HUD tags – Min FICO 600
• Minimum loan amount after down payment - $100K
• 20-30yr Terms

Apply Online www.pmccanhelp.com or email your loan scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

07/21/2026

Second lien loans just got a whole lot easier!
What’s New (Up to $250K):
• No Title Policy Required
• No Appraisal Required
• Faster Closings + Lower Costs
• No appraisal - just 2 AVMs (90% confidence) + Property
• Borrowers can save up to $2,000 in costs
Eligible Property Types:
• SFRs
• Condos (warrantable & non-warrantable)
• 2–4 units (not available for second homes)
• PUDs
• Short-term rentals (up to 75% CLTV)
Occupancy:
Primary • Second Home • Investment
Flexible Income Options:
• 12 & 24 Month Bank Statements
• Asset Utilization
• WVOE
• 1099
• DSCR (1.00+)
• Foreign Income

Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].