A Reliable Choice for Qualified Borrowers
Conventional loans are ideal for borrowers with solid credit, steady income, and a manageable debt-to-income ratio. These loans are not government-backed, which means they offer more flexibility in terms and fewer restrictions. At Equity Partners USA, we help qualified buyers secure conventional financing with competitive rates and streamlined approvals.
Low Rates, Flexible Terms
One of the key advantages of a conventional loan is the ability to choose from various loan terms—typically 15, 20, or 30 years. You can also opt for a fixed or adjustable-rate structure depending on your goals. Our team works closely with you to identify the best rate and term to fit your long-term financial strategy.
Avoid or Remove PMI Faster
Unlike government-insured loans, conventional loans allow you to avoid private mortgage insurance (PMI) if you put down at least 20%. Even if you start with a smaller down payment, you can request to cancel PMI once you reach 20% equity—saving you thousands over time.
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Perfect for Primary, Secondary, or Investment Homes
Conventional loans aren’t just for primary residences—they’re also a great option for second homes or investment properties. Whether you’re buying a vacation retreat or building a rental portfolio, Equity Partners USA offers the expertise and loan flexibility to help you achieve your goals.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
