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Products We Offer

At West + Willow Lending, we believe your home financing journey should feel as personal and intentional as the life you’re building. That’s why we offer a range of thoughtfully selected loan options—each designed to meet you where you are and guide you where you’re going. Whether you're buying your first home, refinancing, or exploring something new, we’re here to make the process feel grounded, supportive, and calm—every step of the way.

CONV

Conventional loans are a trusted, flexible option for borrowers with strong credit and stable income. These loans are not backed by a government agency, giving you more choices in terms, property types, and down payment structures.

At West + Willow Lending, we take time to understand your story—so your loan fits your life, not the other way around.

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Highlights:

  • Down payments as low as 3% for qualified buyers

  • Available in fixed or adjustable-rate options

  • No upfront mortgage insurance required

  • Ideal for primary homes, second homes, and investment properties

  • Competitive rates and wide lender flexibility

USDA

Dreaming of peaceful living outside the city? USDA loans offer 100% financing for homes in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, this program supports low-to-moderate income buyers seeking a fresh start surrounded by space, nature, and possibility.

We guide you through the process with care—helping you feel at home every step of the way.

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Highlights:

  • No down payment required

  • Competitive interest rates

  • Reduced mortgage insurance

  • Designed for eligible rural and suburban properties

  • Income and location restrictions apply

FHA

For buyers looking for a more accessible path to homeownership, FHA loans offer flexibility, lower down payments, and more forgiving credit requirements. Backed by the Federal Housing Administration, these loans are designed to support first-time buyers or those with less-than-perfect credit.

At West + Willow Lending, we walk with you through every step—gently, clearly, and without pressure—so you feel supported, not overwhelmed.

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Highlights:

  • Down payments as low as 3.5%

  • Easier credit qualification

  • Fixed-rate and adjustable options available

  • Great for first-time or returning buyers

  • Allows gift funds toward down payment and closing costs

VA

For those who have served, VA loans offer a powerful path home—with no down payment required and exceptional loan terms. Backed by the U.S. Department of Veterans Affairs, this program honors military service with lending that is as supportive as your commitment.

At West + Willow Lending, we serve those who’ve served with gratitude, clarity, and care.

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Highlights:

  • $0 down payment for eligible veterans, service members, and spouses

  • No private mortgage insurance (PMI)

  • Competitive interest rates

  • Flexible credit and income guidelines

  • Streamlined refinance options available (IRRRL)

ITIN

Homeownership should be possible for everyone with the means and the dream. ITIN loans are designed for individuals who do not have a Social Security Number but do have an Individual Taxpayer Identification Number (ITIN). This solution provides a dignified path to homeownership for non-citizen residents.

At West + Willow Lending, we believe home should feel possible—no matter your background.

 

Highlights:

  • No Social Security Number required

  • Available for first-time and repeat buyers

  • Alternative credit and income documentation accepted

  • Flexible down payment options

  • Ideal for self-employed or undocumented income earners

SELF

EMPLOYED

Your income may look different—but your dream of home is just as real. We offer flexible lending solutions for self-employed individuals, entrepreneurs, and business owners who may not fit the traditional mold. Whether you're paid through 1099s, own a small business, or rely on non-traditional income, our team helps make your path to homeownership clear and calm.

We take time to understand your story—not just your paperwork.

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Highlights:

  • Bank statement and 1099-only loan programs available

  • No tax returns required for certain products

  • Flexible documentation for income and assets

  • Available for purchases, refinances, and investment properties

  • Designed for freelancers, contractors, and small business owners

More Ways to Home

Your journey is unique—and your loan should be, too. In addition to our core offerings, we provide a wide range of financing solutions tailored to fit diverse lifestyles, income types, and home goals. Whether you're self-employed, purchasing a luxury property, planning a renovation, or looking for alternative documentation options, we’re here to guide you with clarity and calm.

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No matter your situation, our team is here to listen, learn, and lead you toward the solution that fits you best.

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Not sure where to begin?
Let’s start with a conversation. Reach out today to explore your options and take the next step—at your pace, with support that feels personal.

Because your path home should feel personal.

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