Financing Options for Real Estate Property Investors | HomeUnion

Fund Your Real Estate Investment Property

We offer your investor clients an efficient way to get loans for their investment properties in the states that we are licensed through HomeUnion® Lending, a subsidiary company.

How it Works

HomeUnion® Lending is a full service mortgage brokerage that provides your clients with the highest level of customer service and a seamless real estate purchasing process.

While there are many different types of loans, it is important to choose the right type of loan for investment properties. HomeUnion® Lending provides the options to achieve financial goals by investing in real estate and the experience to guide clients through the process.

At HomeUnion® Lending our goal is to make the entire lending process seamless and easy. Here are the five steps most loans typically follow:

Gather Documents

1. Gather Documents

Start by gathering all the necessary paperwork to get the lending process started. We require the following documents:

  • Copy of driver's license and social security card
  • Consumer credit report pull authorization
  • Federal tax returns from the last 2 years
  • Other financial account statements
  • 2 Months of bank statements and paystubs (preferably with year to date amounts)
  • Rental agreements for any properties that are owned
Loan Structure

2. Loan Structure

Once we’ve received the documentation we can determine the best type of structure for the loan. We work with a wide variety of investors ranging from those that are purchasing their first investment property to investors that are purchasing a portfolio of multiple investment properties.

Our talented team of lending specialists will structure a loan that is specifically designed to help you achieve your financial goals through investing in single family rentals. We’ll advise you on types of loans, loan amount, and which options are best for your specific investing needs.


3. Pre-Approval

We are dedicated to providing the highest level of customer service and the pre-approval process allows us to work to make sure everything is in order. During the pre-approval phase we’ll make sure that we have all the necessary paperwork to ensure that the loan can move forward once the appraisal has been received.


4. Escrow

Escrow is the last phase before owning the investment property. This is the period of time after the offer has been accepted and paperwork has been exchanged, in which the funds will be held in an account by a neutral third party.

We’ll make sure that the escrow process goes smoothly and can be used to handle the home inspections and appraisal. During this phase the interest rate will get locked in and we’ll send over the credit package and the appraisal report, which the underwriter will use for loan approval. The loan approval typically takes a day or two and then we’ll send over the loan documents to sign.

Most escrow periods last about 30 days but it is possible for them to be shorter or longer depending on your needs or the needs of the seller. We will work with specific time constraints to find the loan that works best.


5. Funding

Once the loan documents have been signed, the loan will fund in the next 48-72 hours and be recorded at the County Recorder’s Office. This is the last step of the process to becoming an investment property owner.

Loan Programs

Since HomeUnion® Lending is a brokerage, we can offer different rates and terms from several different sources instead of just one. Offering both agency and portfolio loans, we have experienced loan officers who will work through simple or complex financial situations to find the right leverage solution.

Agency Conforming Loans

Loan amounts up to $625,500. Fixed options include 30, 20 and 15-year terms. ARM options include periods of 5, 7, or 10 years.

Jumbo Loans

Loan amounts up to $2,000,000. Fixed and ARM programs. Available for single family home and multi-units.

Portfolio Loans

For investors needing alternative financing. Fixed and ARM programs. Blanket & single asset loans.

Get Pre-Approved

Experts from HomeUnion® Lending are available to review your funding options and create a customized plan to meet your financial needs.

Get Pre-Approved

Ready to learn more? Schedule a call

Success Stories

"HomeUnion®'s streamlined process made it easy for me to invest in real estate passively while still doing my job as a physician effectively. HomeUnion®'s technology-driven platform is easy to use and gave me a level of control over my investment that is otherwise missing when you invest remotely."

Dr. Peter Kim
Los Angeles, CA Read Success Story

What our Investors are Saying

4.3 38 reviews

5 5 5 years ago

I've been using HomeUnion® since 2016 and have been pleased with the service I have received. They have met the projections that their algorithms produced, so you can't ask for much more than that. I recommend the service to my friends and colleagues and plan to invest again in the future.

5 5 5 years ago

I recently purchased a multi unit with Home union in a different state the entire transaction was done very professionally there was delay on the sellers part and home union negotiated price reduction for me... the units are rented out and I get monthly updates on them .. overall great experience ..... Read More

5 5 5 years ago

Before I found HomeUnion®, I avoided real estate investment for two reasons. First, I didn’t want to buy homes locally, where an economic downturn could wipe out the value of the homes (think southeast Michigan). I wanted to diversify regionally. Second, I wanted to actually own the property, so RE... Read More

5 5 5 years ago

I first started looking into HomeUnion® in 2016, before I had any real estate experience. I logged in to their site and started browsing properties, at which point I found one that I liked and starred it. The same day, one of their representatives called me to discuss my options. They made it very ... Read More