As a broker, Fluxx works with multiple lenders and dozens of loan programs. That means more ways to say yes, and a loan that fits your situation instead of a one-size-fits-all answer.
Through our network of lending partners, we offer programs for nearly every type of buyer. Here are some of the most popular.
Eligibility for each program depends on factors like credit, income, assets, property type, and location. Not sure which program you qualify for? A quick conversation with a licensed loan originator will show you your options.
What you can afford depends on your income, monthly debts, savings, credit, and the loan program you use. The maximum you qualify for isn't always the number you should spend. We'll help you find a monthly payment you're comfortable with and work backward from there.
Pre-qualification is a quick estimate based on what you tell us. Pre-approval means a licensed loan originator has reviewed your credit, income, and assets. Sellers and agents take a pre-approval much more seriously, so it's the step to complete before you start making offers.
Not always. Several programs allow lower down payments for qualified buyers. Down payment assistance and gift funds from family may also help cover part of what you need. Assistance programs have eligibility requirements and limited funding, so we'll check what's available where you're buying.
Timing depends on the loan program, the property, the appraisal, and how quickly documents come in. We'll give you a realistic timeline once you're under contract and keep you updated at every step, from appraisal through underwriting to closing.
Yes, in many cases. Because Fluxx is a broker, we're not limited to one bank's guidelines. We work with multiple lenders and programs, including options for self-employed buyers, ITIN borrowers, and buyers rebuilding credit.
