ABC United Finance Corp provides competitive mortgage loan programs for homebuyers and homeowners across Virginia, Maryland, and Washington DC. Whether you’re purchasing, refinancing, or exploring Non‑QM options, our team delivers fast approvals, personalized guidance, and access to the best loan solutions for your financial goals.
Explore a full range of mortgage solutions including Conventional, FHA, VA, Jumbo, FHA DPA 100% CLTV, DSCR investor loans, and Non‑QM programs. Whether you're a first‑time buyer, self‑employed, or an investor, we help you choose the best loan for your goals.
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A fixed‑rate mortgage keeps the same interest rate for the entire life of the loan. Your monthly principal and interest payments never change, making this a stable and predictable option for long‑term homeowners.
An ARM starts with a lower fixed interest rate for an initial period, then adjusts periodically based on market conditions. This option can be ideal if you plan to move or refinance before the rate begins to adjust.
With an interest‑only mortgage, you pay only the interest for a set period at the beginning of the loan. After that, the payment includes both principal and interest. This structure can offer lower initial payments and greater short‑term flexibility.
A graduated payment mortgage starts with lower monthly payments that gradually increase over a set period (typically 5–10 years). This option may benefit borrowers who expect their income to rise over time.
Conventional loans are popular options for borrowers with good credit and stable income. They offer competitive rates, flexible terms, and low down payment options. These loans are ideal for buyers who want strong long‑term value without government‑backed requirements.
FHA loans are designed to help first‑time buyers and borrowers with limited savings or lower credit scores. With low down payment requirements and flexible qualification guidelines, FHA loans make homeownership more accessible and affordable.
VA loans offer exceptional benefits for eligible veterans, active‑duty service members, and surviving spouses. These loans require no down payment, no mortgage insurance, and provide competitive interest rates, making them one of the most affordable paths to homeownership.
Jumbo loans are designed for borrowers purchasing higher‑priced homes that exceed conventional loan limits. These loans offer flexible terms and competitive rates for qualified buyers seeking luxury or high‑value properties.
A USDA loan provides affordable home financing for eligible rural and suburban buyers, with no down payment, flexible credit requirements, and reduced mortgage insurance costs, it's designed to make homeownership more accessible. Income limits apply, and the property must be located in a USDA-approved area.
The FHA 100% CLTV program allows eligible homebuyers to combine an FHA first mortgage with an approved down-payment assistance option, enabling up to 100% financing. This structure helps buyers cover their down payment and closing costs while benefitting from FHA's flexible credit guidelines and competitive rates. It's an excellent solution for borrowers who qualify for FHA but need additional support to achieve homeownership.
A Home Equity or Second Mortgage allows homeowners to tap into the value they’ve built in their property without refinancing their existing loan. These programs provide access to cash for major expenses such as home improvements, debt consolidation, education costs, or other financial goals. By using your home’s equity as collateral, you can secure competitive interest rates and flexible repayment terms. Whether you need a lump‑sum loan or ongoing access to funds, Home Equity and Second Mortgage options offer a practical way to leverage your home’s value while keeping your current first mortgage in place.
A Reverse Mortgage allows eligible homeowners aged 62 and older to convert a portion of their home equity into tax‑free funds without selling their home or taking on monthly mortgage payments. This program is designed to support retirees by providing additional income for living expenses, medical costs, home improvements, or long‑term financial planning. With flexible payout options and the ability to stay in the home as long as program requirements are met, a Reverse Mortgage offers a practical way to leverage home equity while maintaining financial independence in retirement.
Bank Statement mortgage program is the perfect option for self-employed borrowers who need an alternative method to show the true cash flow of their business. Borrowers do not have to own 100% of the business. Our Bank Statement program provides a loan solution to help underserved credit-worthy self-employed borrowers who otherwise would not qualify for a home loan.
Traditional documentation doesn’t always fit self‑employed borrowers. At ABC United Finance, you can qualify using professionally prepared P&L statements only—no bank statements or tax returns required.
1099 income loan option is for underserved self-employed borrowers who are 1099 workers. Many freelancers, contractors, gig economy workers or other self-employed borrowers who file using W-9s cannot qualify for a mortgage under Agency guidelines. These borrowers can use 1099 earning statements in lieu of tax returns to qualify for a mortgage. Our 1099 Income loan is an alternative loan solution that helps many self-employed 1099 earners achieve homeownership
Investor Cash Flow mortgage program allow borrowers to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. Debt service coverage ratio or DSCR is a measurement of a property's expected cash flow to determine ability to repay a mortgage loan.
Asset Qualifier loan product is for borrowers to qualify using their liquid assets. No employment is required, income or DTI to justify ability-to-repay. We qualify based on required assets that meet seasoning requirements.
Individual Tax Identification Number (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements. This loan product is a full doc non-QM mortgage offering flexibility for individuals residing in the United States.
This mortgage product is for foreign nationals wanting to purchase or refinance a home in the United States. This is a DSCR program with a 1:1 ratio on cash flow.
Home Equity Loans (HELOANs) allow borrowers to tap into their home’s equity with a fixed‑rate second mortgage. These programs are available as piggyback seconds or stand‑alone second mortgages, offering flexible qualification for borrowers who don’t fit traditional guidelines.
We proudly serve clients in McLean, Fairfax, Arlington, Alexandria, Bethesda, Rockville, Silver Spring, Washington DC, and surrounding areas.
We provide a full range of mortgage solutions including Conventional, FHA, VA, Jumbo, DSCR Investor Loans, Bank Statement Loans, ITIN Loans, Foreign National Loans, Non‑QM Loans, HELOANs, and Reverse Mortgages. Our team helps you compare options and choose the best program for your financial goals.
The best loan depends on your credit score, income, down payment, and long‑term goals. We offer free consultations to help you determine whether a Conventional, FHA, VA, or Non‑QM loan is the best fit.
Yes — we proudly serve homebuyers and homeowners across Virginia, Maryland, and Washington DC, including Fairfax, Arlington, Alexandria, Bethesda, Rockville, Silver Spring, and surrounding areas.
Most borrowers receive a pre‑approval within 24 hours, depending on how quickly documents are provided. Fast pre‑approvals help you make stronger offers in competitive markets.
Conventional loans typically require a 620+ score, while FHA loans allow scores as low as 580. Non‑QM and Bank Statement loans offer flexible credit options for borrowers who don’t meet traditional guidelines.
Yes — we specialize in Bank Statement Loans and Non‑QM programs designed for self‑employed borrowers who may not have traditional W‑2 income documentation.
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. Approval is based on the property’s rental income, not your personal income, making it ideal for expanding your investment portfolio.
Yes — we offer ITIN Loans and Foreign National Loans for borrowers who do not have a Social Security Number but meet other qualifying criteria.
Absolutely. We provide rate‑and‑term refinancing, cash‑out refinancing, and streamline options for FHA and VA borrowers looking to lower their rate or access home equity.
You can begin by completing our secure online application, calling us at 703‑932‑3905, or scheduling a consultation. Our team will guide you through every step from pre‑approval to closing.
Our team can help you compare loan options and secure the best mortgage for your needs. Call 703‑932‑3905 or Apply Online Today.
— Sarah M., Fairfax, VA
— David R., Bethesda, MD
