Whether you’re buying your first home, refinancing an existing property, or expanding a real
estate investment portfolio, Oso Creek Financial has a loan program designed for yoursituation. We offer traditional mortgage solutions for qualified buyers in California and
Texas, and a full suite of Non-QM and investor financing available nationwide.
580+ Starting
As Low As 3%
Flexible Financing
Primary • Second Home • Investment
Standard loan programs for buyers and homeowners who meet conventional lending guidelines. Available for primary residences, second homes, and investment properties in California and Texas.
Competitive rates for qualified buyers in CA & TX. Available with as little as 3% down for first-time buyers.
Low down-payment options backed by the Federal Housing Administration. Great for buyers with credit scores as low as 580.
Exclusive mortgage benefits for eligible veterans and active-duty service members — including $0 down payment options.
Financing above conforming loan limits for high-value properties. Competitive rates for well-qualified borrowers.
Alternative lending programs for self-employed borrowers, real estate investors, business
owners, and foreign nationals. Available in California, Texas, and most U.S. states.
Mortgage solutions for borrowers who don’t fit traditional guidelines. Multiple documentation options available.
Qualify using deposits instead of tax returns. Designed for self-employed borrowers and business owners.
Qualify using rental income instead of personal income. Built for real estate investors.
Use your liquid assets to qualify for a mortgage. Ideal for retirees and high-net-worth borrowers.
Designed for independent contractors, commission-based earners, and gig workers.
Foreign National Loans are designed for international investors purchasing U.S. real estate, including rental properties, vacation homes, and investment assets.
Short-term renovation financing for investors looking to buy, improve, and sell properties quickly.
Temporary financing to bridge the gap between buying a new property and selling and existing one.
Financing for income-producing commercial properties including office, retail, industrial, and multifamily.
It depends on the loan program. For conventional loans, most lenders look for a score of 620 or higher. FHA loans can go as low as 580 with a 3.5% down payment. Non-QM and investor programs vary — some allow scores starting at 600, while others require 640 or above. We’ll help you identify the right program based on your credit profile.
Conventional loans can go as low as 3% for first-time buyers. FHA is 3.5%. VA loans offer $0 down for eligible veterans. Non-QM and investor loans typically require 20–30% down, depending on the program and property type.
Yes. While our traditional mortgage programs are focused in California and Texas, our Non- QM and investor loan programs — including DSCR, bank statement, fix & flip, and commercial — are available in most U.S. states. Contact us to confirm availability in your state.
Most traditional loans close in 21–30 days with complete documentation. DSCR and Non-QM loans typically close in 2–4 weeks. Fix & flip and bridge loans can sometimes close in as little as 7–14 days when needed.
Yes. We can provide a soft credit check pre-qualification that doesn’t impact your score. Once you decide to move forward with a formal application, a hard inquiry will be required.
