No FICO Loan Program
Peter
我们的服务
贷款更简单，服务更贴心
万通贷款圆您安居梦想
无论您是首次购房、自雇创业，还是外籍身份，万通贷款（GMCC） 都为您提供量身定制的贷款解决方案。从0首付、无报税贷款到DSCR投资方案，我们结合内部审批与自主放款机制，全程由中文顾问一对一服务，流程高效透明。更有多州专项赠款与社区贷款项目，减轻您的首付负担，助您轻松实现安家梦想。
The Best Loan Company in the USA
Reliable Nationwide Licensed
Direct Mortgage Lending Platform
Cheryl's Team supports clients ranging from first-time homebuyers to property investors, providing customized loan solutions for every need. We offer purchase, refinance, and home equity loans, along with personalized financial planning, to help you reach your financial goals with confidence.
Low down payments and simple qualification requirements make it easy to take the first step toward homeownership, turning your dream of settling down into reality.
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FHA/VA Loans
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0–5% Low Down Payment
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No Mortgage Insurance
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CRA Community Loans
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Grant Opportunities Available
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Full Documentation Review
No tax records required; supports multiple visa types and statuses, enabling overseas clients to easily secure home loans.
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Accepts B1/F1 Visas
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No FICO Score Required
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No Income Verification Needed
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Supports Gifted Down Payments
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Suitable for New Immigrants
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Primary and Investment Properties
Rent cash flow only, no personal income required—ideal for Airbnb and diverse real estate investors.
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No employment verification required
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DSCR can be zero
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Supports short-term rental properties
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Minimum 20% down payment
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Refinance and cash-out available
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No limit on number of financed properties
Down Payment as Low as 20%
Rental Income Financing Program
Loan amounts from $100,000 to $4 million, backed by in-house delegated underwriting and funding.
✔ No employment information required
✔ No tax return needed
✔ No DSCR ratio, can be zero
✔ Short-term rentals (e.g., Airbnb) qualify for lower rates
从申请准备到顺利放款，我们为您梳理每一步流程，让买房不再迷茫，贷款更清晰、更安心！
房屋贷款流程
专属顾问全程协助
万通贷款提供一对一中文贷款顾问服务，协助完成内部审批流程，快速放款，贷款更贴心更高效。
内部审批效率加持
万通贷款提供内部审批贷款机制，缩短审核周期，自主放款快速到账，助您高效完成购房融资计划。
灵活材料，轻松贷款
不报税能贷款吗？万通贷款提供灵活的不查报税房贷，支持银行流水、VOE等替代方式，自雇者首选！
匹配身份专属方案
不同身份适用不同贷款类型，万通贷款为首次购房者、自雇人士、外国人量身匹配最合适的贷款方案。
