Flexible LEnding Solutions that Work for You
From homeownership to investment, Hillstone Lending delivers fast, transparent, and flexible loan solutions for every stage of your journey.
Offerred Programs
Explore our range of
Loan Programs
Purchase Loans
Secure the financing you need to buy a primary residence, second home, or investment property.
Purchase Loans
Secure the financing you need to buy a primary residence, second home, or investment property.
Purchase Loans
Secure the financing you need to buy a primary residence, second home, or investment property.
Refinance Loans
Lower your rate, shorten your term, or tap into equity with customized refinance solutions.
Refinance Loans
Lower your rate, shorten your term, or tap into equity with customized refinance solutions.
Refinance Loans
Lower your rate, shorten your term, or tap into equity with customized refinance solutions.
Equity Lines of Credit
Access flexible credit using your home’s equity — borrow what you need, when you need it.
Equity Lines of Credit
Access flexible credit using your home’s equity — borrow what you need, when you need it.
Equity Lines of Credit
Access flexible credit using your home’s equity — borrow what you need, when you need it.
DSCR Loans
Qualify based on rental income, not personal income — ideal for real estate investors.
DSCR Loans
Qualify based on rental income, not personal income — ideal for real estate investors.
DSCR Loans
Qualify based on rental income, not personal income — ideal for real estate investors.
Bank Statement Loans
Designed for self-employed borrowers using bank statements to verify income.
Bank Statement Loans
Designed for self-employed borrowers using bank statements to verify income.
Bank Statement Loans
Designed for self-employed borrowers using bank statements to verify income.
No Doc/Asset Based
Get approved based on your assets or property value, with little to no income documentation required.
No Doc/Asset Based
Get approved based on your assets or property value, with little to no income documentation required.
No Doc/Asset Based
Get approved based on your assets or property value, with little to no income documentation required.
PreApprovals
How to get Preapproved
(1) Fill Out the Online Application
Our secure online application takes a few minutes to complete. You’ll enter basic income, employment, and contact information. No credit pull happens at this stage.
(2) Upload Your Income Documents
Once your application is submitted, you can upload your recent pay stubs, W-2s, tax returns, or bank statements.
(3) No Automatic Credit Pull
We never run your credit automatically. We personally review your application first, give you a call, and confirm you are ready before any credit check is done. Your score is protected until you give the green light.
(4) Application Review
Once your application and documents are in, we manually review your income, assets, employment, and loan goals. This ensures accuracy and helps us explore every loan option available to you.
(5) Receive Your PreApproval
After reviewing your file, we prepare your official PreApproval letter, often within the same day. You can use this letter immediately to make strong offers and show sellers you’re qualified.
(1) Fill Out the Online Application
Our secure online application takes a few minutes to complete. You’ll enter basic income, employment, and contact information. No credit pull happens at this stage.
(2) Upload Your Income Documents
Once your application is submitted, you can upload your recent pay stubs, W-2s, tax returns, or bank statements.
(3) No Automatic Credit Pull
We never run your credit automatically. We personally review your application first, give you a call, and confirm you are ready before any credit check is done. Your score is protected until you give the green light.
(4) Application Review
Once your application and documents are in, we manually review your income, assets, employment, and loan goals. This ensures accuracy and helps us explore every loan option available to you.
(5) Receive Your PreApproval
After reviewing your file, we prepare your official PreApproval letter, often within the same day. You can use this letter immediately to make strong offers and show sellers you’re qualified.
Help Center
Frequently asked questions
What types of loans do you offer?
We offer a full range of mortgage products, including conventional, FHA, VA, DSCR, bank statement, HELOCs, and no-doc/asset-based loans.
How much can I borrow?
Your loan amount depends on your credit profile, income, debts, assets, and the property type. We’ll help you calculate your max eligibility during a free consultation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us; pre-approval is verified and stronger, it's what sellers look for when evaluating offers.
How long does the loan process take?
Most loans close in 15–30 days, depending on the complexity of the file. Fast-track options are available for certain loan types
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What’s the minimum credit score required?
We work with a wide range of borrowers, some programs go down to 580 or even lower with compensating factors. Better credit = better rates.
How do I lock in a rate?
Once you're pre-approved, we can lock your rate at any point during the loan process to protect you from market changes.
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What types of loans do you offer?
We offer a full range of mortgage products, including conventional, FHA, VA, DSCR, bank statement, HELOCs, and no-doc/asset-based loans.
How much can I borrow?
Your loan amount depends on your credit profile, income, debts, assets, and the property type. We’ll help you calculate your max eligibility during a free consultation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us; pre-approval is verified and stronger, it's what sellers look for when evaluating offers.
How long does the loan process take?
Most loans close in 15–30 days, depending on the complexity of the file. Fast-track options are available for certain loan types
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What’s the minimum credit score required?
We work with a wide range of borrowers, some programs go down to 580 or even lower with compensating factors. Better credit = better rates.
How do I lock in a rate?
Once you're pre-approved, we can lock your rate at any point during the loan process to protect you from market changes.
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What types of loans do you offer?
We offer a full range of mortgage products, including conventional, FHA, VA, DSCR, bank statement, HELOCs, and no-doc/asset-based loans.
How much can I borrow?
Your loan amount depends on your credit profile, income, debts, assets, and the property type. We’ll help you calculate your max eligibility during a free consultation.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on what you tell us; pre-approval is verified and stronger, it's what sellers look for when evaluating offers.
How long does the loan process take?
Most loans close in 15–30 days, depending on the complexity of the file. Fast-track options are available for certain loan types
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
What’s the minimum credit score required?
We work with a wide range of borrowers, some programs go down to 580 or even lower with compensating factors. Better credit = better rates.
How do I lock in a rate?
Once you're pre-approved, we can lock your rate at any point during the loan process to protect you from market changes.
Do you offer investment property financing?
Absolutely. We offer DSCR loans, short-term rental financing, and portfolio loan options that don't require personal income verification.
Get in Touch
Let’s Make Your Mortgage Process Simple
Whether you’re buying your first home, refinancing, or investing, our team is here to guide you with clear answers and fast pre-approvals. Let’s build your loan plan today.
