HODL Loans
We provide flexible financing solutions designed to meet a wide range of needs. From home purchases and refinancing to private financing and unique lending scenarios, our experienced team is here to simplify the process and find the right solution for you. With personalized service, industry expertise, and access to a variety of financing options, we help turn opportunities into reality.
Loan programs
Financing for Every Goal
Residential Purchase
Conventional, FHA, VA, and jumbo financing tailored to your home-buying goals with competitive rates and fast closings.
Refinancing
Lower your rate, reduce your term, or cash out equity. We shop dozens of lenders to find your best refinance option.
Investment Property
DSCR loans, portfolio lending, and fix-and-flip lines of credit designed for real estate investors at every level.
Loan programs
Financing for Every Borrower
Whether you're a first-time buyer, a seasoned investor, or an international purchaser, HODL Loans offers a full suite of QM and Non-QM programs to fit your unique situation. Open any program to see requirements.
QM: Qualified mortgage loans
Qualified Mortgage loans meet CFPB standards ensuring borrower ability to repay, with full documentation requirements.
FHA QM loanGovernment-backed financing with flexible credit requirements, ideal for first-time buyers.
- Down payments from 3.5%
- Credit scores from 580 (case by case below)
- Gift funds and seller concessions allowed
- Mortgage insurance required
Conventional QM loanThe most common mortgage product, offering flexibility and competitive rates for qualified buyers.
- Down payments from 3% for first-time buyers
- Credit scores from 620
- PMI removable at 20% equity
- Fixed and adjustable terms
VA QM loanExclusive financing for eligible veterans and service members, often with no down payment.
- 0% down for eligible borrowers
- No monthly mortgage insurance
- Certificate of Eligibility required
- Funding fee may be financed
USDA QM loanZero-down financing for eligible rural and suburban properties with lower fixed rates.
- 0% down in eligible areas
- Household income limits apply
- Primary residence only
- Low guarantee fee
Jumbo QM loanHigh-value mortgage loans that exceed conventional conforming limits, designed for luxury and high-value properties.
- Loan amounts above the conforming limit
- Typically 10–20% down
- Strong reserves and credit expected
- Fixed and ARM options
Non-QM loans
Non-QM programs allow borrowers to qualify on alternative standards, ideal for self-employed professionals, investors, and foreign nationals.
Bank Statement Loan Non-QM12 or 24-month bank statement program, perfect for self-employed borrowers who cannot show traditional income.
- Personal or business statements
- No tax returns required
- Typically 10% down or more
DSCR Non-QMDebt Service Coverage Ratio loans that qualify based on the rental income of the property, not personal income.
- No personal income verification
- Close in an LLC
- Short- and long-term rentals
Foreign National Non-QMFinancing solutions for international buyers purchasing property in the U.S. without a U.S. credit history.
- No U.S. credit or SSN required
- Typically 25–30% down
- Second homes and investment properties
Private Lending Non-QMAsset-based lending for investors, developers, and builders who need fast, flexible capital.
- Close in days, not weeks
- Bridge, fix-and-flip, construction
- Priced on the asset, not the borrower
Asset Depletion Non-QMQualify using verified liquid assets, including brokerage and eligible digital-asset holdings, instead of income.
- Assets converted to a qualifying monthly income
- Ideal for retirees and long-term holders
- Lender-specific eligibility for digital assets
Refinance Non-QMFlexible refinance programs for borrowers who may not qualify under traditional guidelines.
- Rate-and-term or cash-out
- Alternative income documentation
- Recent credit events considered
The process
From Application to Closing
Apply Online
Complete our simple application in minutes. No hard credit pull required to get started.
Loan Review
Our licensed brokers analyze your goals and match you with the best program and lender.
Pre-Approval
Receive your pre-approval letter, ready to make competitive offers with confidence.
Close & Fund
We manage the entire process through underwriting and funding so you can focus on what matters.
Why choose us
The HODL Loans Difference
As an independent mortgage brokerage, HODL Loans works for you, not any single bank. We leverage our network of over 50 wholesale lenders to source the most competitive rates and terms available, and we structure loans for people who plan to hold, not flip.
- No hidden fees or prepayment penalties
- Bilingual service: English & Spanish
- Residential & commercial in one place
- Dedicated loan officer from start to close
Independent Brokerage
Access to 50+ wholesale lenders, not limited to one bank's products.
Transparent Process
Clear fees, honest timelines, and no surprises at the closing table.
Fast Pre-Approvals
Most clients receive a pre-approval letter the same day of application.
Built for Holders
Long-term structures, rate-lock guidance, and refinance planning for owners who stay put.
Tools
Mortgage Calculator
Estimate your monthly payment. Results are illustrative; contact our team for an accurate quote.
Meet the team
The People Behind HODL Loans
A family-run brokerage built on straightforward advice and long-term relationships.
Rene Benitez
Co-Founder & Production Manager
NMLS #358983
Leads HODL Loans' lender relationships and structures financing across residential programs for buyers and investors, while running the private financing sector of the company.
Rolando Benitez
Founder & Principal Broker NMLS #2007195
Nurtures client and HODL Loans relationships, runs all support, and manages marketing and back-end operations to keep the team organized.
HODL Loans LLC | NMLS #2375898
All loan products are subject to credit approval, income verification, satisfactory property appraisal, title review, and applicable state and federal regulatory requirements. Not all applicants will qualify. Loan terms, interest rates, and annual percentage rates (APR) are subject to change without notice and may vary based on creditworthiness, loan-to-value ratio, loan amount, and market conditions. This is not a commitment to lend.
HODL Loans LLC is licensed to originate mortgage loans. Consumers are encouraged to verify licensure at NMLS Consumer Access: nmlsconsumeraccess.org. HODL Loans LLC is not affiliated with any government agency.
Equal Housing Lender. We are committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, marital status, age, or any other characteristic protected by applicable law.