FAQ | Elliman Capital

Purchasing your first home, refinancing, or looking for a personal loan, we make the process simple and stress-free. Explore competitive rates, flexible terms, and personalized solutions.

How do I know which loan program is right for me?

Start with our secure online application or pre-qualification form, and a trained loan officer will review your details, recommend the most suitable options, and guide you through each step with precision.

How do I move from application to approval quickly?

Submit your documents promptly through our secure online portal—this allows your loan officer to underwrite efficiently, resolve any conditions early, and position your file for the fastest possible closing.

Can I finance investment properties or second homes?

Yes—we offer programs specifically tailored to luxury second homes, vacation properties, multi-unit rentals, and large-scale portfolios.

Do you offer programs for buyers with unique income situations?

Absolutely—our non-traditional loan suite includes solutions for self-employed borrowers, foreign nationals, recent credit events, and other complex scenarios.

How soon can I buy again after a foreclosure, bankruptcy, or short sale?

Our recent credit event programs can qualify buyers much sooner than traditional lenders—sometimes in as little as one year, depending on the scenario.

What’s the difference between submitting a pre-qualification and applying online?

Pre-qualification is a quick initial step that gives your loan officer the essential information needed to tailor the right program for you and begin preparing your file, while applying online is a full application that moves your loan into formal review and speeds up the approval process.

Will my credit score affect my interest rate?

Your credit profile is one factor in determining terms, but our portfolio includes options for borrowers across the credit spectrum, including programs that look beyond traditional scoring.

Are there financing options with no down payment?

Certain programs, such as VA or USDA loans, offer zero-down structures for qualified buyers. We also have strategies to minimize upfront cash through equity leverage or down payment assistance.

Can I qualify for a loan without U.S. tax returns?

Yes—specialized programs such as foreign national loans, bank statement loans, and DSCR loans are designed for clients without traditional tax documentation.

What sets your lending approach apart?

We pair competitive rates with a guided, borrower-first experience—our loan officers are trained to anticipate your needs, simplify the process, and keep you informed from start to finish.

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