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Funding Pool Loan Programs

The Funding Pool by RanLife specializes in all government loan programs, down payment assistance and Non-QM products. We offer 100% financing, FHA, VA, USDA, State DPA (ID, TX, UT, WA) and a variety of Non-QM products.

Utah Housing Loans

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DSCR Loans

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FHA MORTGAGES

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VA MORTGAGES

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USDA Loans

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Non QM

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Utah Housing Loans

RanLife offers FHA, VA, and Conventional Loans through Utah housing. You don't need to be a first-time homebuyer to have 100% financing options. Utah Housing Programs offer the ability to finance your downpayment, and some closing costs.

Some programs allow two unit properties. Grants are available for qualifying veterans and police or correctional officers. Credit score is a 620 minimum.

DSCR Loans

Cross Collateralization Allowed

RanLife offers a wide variety of DSCR options for investors. These loans allow you to purchase investment properties without using income or DTI. DSCR Loans use cash-flow as the qualifier. RanLife allows Air DNA for nightly rentals.

FHA Mortgages

FHA Loans requirements are less strict than they are for a conventional loan and are easy to qualify for.

  • Credit Score | 580 Minimum FICO
  • NO FICO Score Loans Allowed
  • Manual Underwrites Allowed | 620+ FICO
  • Manufactured Homes Allowed

VA Mortgages

VA Loans help Service Members, Veterans, and eligible surviving spouses become homeowners with no downpayment required. Low interest rates, limited closing costs, no monthly mortgage insurance. Reduced fees for those with disabilities.

  • Credit Score | 580 Minimum FICO
  • Manual Underwriting Allowed | 620+ FICO
  • Manufactured Homes Permitted

USDA Loans

RanLife is delegated to underwrite USDA Loans. Qualify with 0% Down, Subsidized mortgage insurance, and the ability to finance closings | appraisal permitting

  • Credit Score | 620-639
  • For Manual Underwrites 640+
  • For GUS Approved
  • Manufactured Homes Permitted

Non QM

RanLife has a variety of Non-QM Options

  • Bank Statement Loans - Use cash flow as opposed to standard income qualifications. Great for self-employed borrowers that write all income off.
  • ITIN Loans - Used for non-residents that do not have social security numbers. Must have an entry stamp into the US and a 20% down payment.
  • Asset Depletion - Use gross assets for income qualification. Starts at 1 million.
  • HELOAN - Utilize the equity in your home for debt consolidation, education, etc. without effecting the terms of your first mortgage. A HELOAN is a second mortgage that has a fixed interest rate.
  • Jumbo Loans - Jumbo products offer up to three million in loan size. Alternate incomes are available, as are non-Warrantable condominiums.

Have Questions?

If you have questions about The Funding Pool By RanLife or questions about our Loan Programs, please call us at 801-47-4562 or fill out the form below.