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Mortgages Made Simple with Brandon Papineau

Brandon Papineau, Mortgage Loan Officer at Everyday Lending, delivers expert home loan solutions with personalized support you can count on. Whether you’re purchasing a first home or considering a refinance, Brandon helps California borrowers navigate the process with confidence. Licensed in CA and ready to assist every step of the way.

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Brandon Papineau Mortgage Loan Officer Everyday Lending Group 2

Brandon Papineau

Mortgage Loan Officer
NMLS #2132568
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brandon@elendingteam.com
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714-900-3401
Your Path to Homeownership Starts Here

Work One-on-One with Brandon Papineau to Find the Right Mortgage for You

As a Mortgage Loan Officer at Everyday Lending, Brandon Papineau takes a hands-on approach to helping you navigate your home financing journey. Whether you’re buying your first home, refinancing, or investing in real estate, Brandon offers expert guidance, flexible loan options, and genuine support—every step of the way. Let’s make your next move simple, smart, and stress-free.

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Conventional Home Loans

Conventional loans are one of the most popular mortgage options—and for good reason. With competitive rates, flexible terms, and low down payment options, they’re ideal for buyers with solid credit and stable income. Brandon Papineau can help you navigate the entire process, from pre-approval to closing, and make sure you’re matched with the right loan for your needs. Whether you’re purchasing your first home or upgrading, Brandon is here to help you finance with confidence.

FHA Loan

FHA Home Loans

FHA loans are designed to make homeownership more accessible, especially for first-time buyers or those with less-than-perfect credit. With low down payment requirements, flexible credit guidelines, and competitive interest rates, they’re a smart choice for many homebuyers. Brandon Papineau specializes in guiding borrowers through the FHA loan process and helping you take advantage of available down payment assistance options. Whether you’re starting fresh or returning to the market, Brandon can help you find the right path to homeownership.

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VA Home Loans

VA loans offer unmatched benefits for veterans, active-duty service members, and eligible military families. With no down payment, no private mortgage insurance (PMI), and flexible qualification requirements, VA home loans make it easier for those who have served to achieve homeownership. As a dedicated Mortgage Loan Officer, Brandon Papineau helps guide veterans through every step, ensuring they access the benefits they’ve earned. If you’ve served, Brandon is here to help you use your VA loan eligibility with confidence.

Jumbo Loan

Jumbo Home Loans

Jumbo loans are designed for buyers looking to finance high-value homes that exceed conventional loan limits. Whether you’re purchasing a luxury property or refinancing a large mortgage, Brandon Papineau provides expert guidance through the jumbo loan process. With competitive rates, flexible terms, and options tailored to your financial profile, jumbo home loans make it possible to secure the home you really want. Brandon works closely with clients to ensure a smooth path to financing higher-priced real estate.

PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED

Self-Employed Home Loans

If you’re self-employed, getting approved for a mortgage doesn’t have to be difficult. Brandon Papineau specializes in helping business owners, freelancers, and independent contractors secure the right home loan using alternative documentation like bank statements, 1099s, or profit and loss statements. With customized self-employed mortgage solutions, Brandon ensures your true income is recognized—even without W-2s or pay stubs. Let Brandon guide you through a smooth, transparent process designed specifically for self-employed borrowers across a wide range of industries.

NON QUALIFIED MORTGAGE NQM LOANS

Non-Qualified Mortgage (NQM) Loans

Not every borrower fits the traditional mold—and that’s where Non-QM Loans come in. Brandon Papineau helps clients with unique financial profiles, including real estate investors, self-employed borrowers, and those with credit challenges, find smart mortgage solutions that work. With flexible guidelines, alternative documentation, and custom structuring, Non-Qualified Mortgage programs offer more freedom than conventional options. Whether you’re using bank statements, asset-based income, or DSCR qualification, Brandon will match you with the right Non-QM mortgage for your goals.

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Bank Statement Loans

If you’re self-employed and don’t have traditional income documentation, Bank Statement Loans can help you qualify for a mortgage using your actual earnings. Brandon Papineau works with business owners, freelancers, and independent contractors to offer financing based on 12–24 months of bank statement history—no tax returns required. These loans provide flexibility and make homeownership more accessible for those with non-W2 income. Brandon will walk you through every step to find the bank statement mortgage that fits your needs.

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Investment Property Financing

Looking to grow your real estate portfolio? Investment Property Financing gives you the tools to purchase income-generating properties with flexible options. Brandon Papineau helps both first-time and seasoned investors access tailored solutions, including DSCR loans, conventional financing, and non-QM options. Whether you’re buying a single-family rental or expanding into multifamily units, Brandon offers expert guidance to help you navigate down payments, rates, and ROI potential. Build long-term wealth with smart, strategic real estate investment loans.

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Foreign National Mortgages & ITIN Loans

Don’t have a Social Security Number? Foreign National Mortgages and ITIN Loans offer a smart path to homeownership in the U.S. Whether you’re a non-U.S. citizen, recent immigrant, or international investor, Brandon Papineau can help you secure a mortgage using an ITIN instead of a traditional SSN. With flexible documentation, options for low down payments, and competitive rates, Brandon makes it simple to finance your American dream—whether you’re buying a home or an investment property.

Refinance Options

Refinance Home Loans

Looking to lower your rate, reduce monthly payments, or tap into your equity? Brandon Papineau offers expert guidance on refinance home loans that align with your goals. Whether you’re interested in a cash-out refinance, shortening your loan term, or switching from an adjustable to a fixed-rate mortgage, Brandon can walk you through every option. With tailored solutions and a focus on long-term savings, refinancing could be your smartest financial move this year.

Cash Out

Cash-Out Refinance

Need funds for home improvements, debt consolidation, or other major expenses? With a cash-out refinance, you can tap into your home equity and get cash at closing while potentially improving your mortgage terms. Brandon Papineau specializes in helping homeowners leverage their equity wisely through custom cash-out refinance solutions. Whether you’re planning a renovation or want to strengthen your financial position, Brandon will guide you through a smooth, strategic refinancing process designed to meet your needs.

Renovation and Construction Loans

Renovation and Construction Loans

Building your dream home or renovating your current one? Renovation and construction loans give you the financing flexibility to turn vision into reality. Brandon Papineau helps buyers and homeowners secure the right construction-to-permanent loans, rehab loans, or renovation financing based on your goals. Whether you’re upgrading a fixer-upper or starting from the ground up, Brandon makes the process clear and efficient. Get expert support from application to completion and create a home that fits your lifestyle perfectly.

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USDA Home Loans

Looking to buy in a rural or suburban area? USDA home loans offer zero down payment options and low interest rates for eligible buyers. Brandon Papineau specializes in helping clients take advantage of this affordable path to homeownership backed by the U.S. Department of Agriculture. With flexible credit requirements and competitive terms, USDA loans are a smart solution for qualified buyers seeking homes outside major metro areas. Discover if a USDA loan is right for your next move.

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First-Time Homebuyer / DPA Loans

Buying your first home? Brandon Papineau is here to guide you through the process with first-time homebuyer programs and down payment assistance (DPA) loans that make homeownership more affordable. These options can help cover your down payment and closing costs, making it easier to qualify and get into your new home sooner. With personalized support and access to a wide range of programs, Brandon helps first-time buyers take confident steps toward owning a home.

Reverse Mortgag

Reverse Mortgages

If you’re 62 or older and want to make the most of your home in retirement, a reverse mortgage can offer real flexibility. It allows you to access your home equity without monthly mortgage payments and can even be used to purchase a new home that better fits your lifestyle. Whether you’re looking to free up cash, relocate, or simply enjoy more peace of mind, Brandon Papineau is here to help you understand your options with clarity, warmth, and zero pressure.

About Me

In my 21-years in the mortgage industry, I have seen almost everything related to mortgage banking and residential real estate. Over a thousand transactions have honed my craft. My distinct personalized approach stems from my diverse background and interests as a recording musician (with six records to my credit), an environmental and social activist, the founder of a local non-profit, the owner of a renowned recording studio, an active real estate investor, and as an aspiring chef who is trying not to lose his touch. I grew up outside of New York City and have lived on both coasts, as well as in the US Virgin Islands, the Republic of Latvia, and the Republic of Georgia. I’ve traveled extensively throughout Western and Eastern Europe, Ethiopia, and the United States, spending several summers backpacking in the wilderness of Alaska.

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Tailored Solutions. Trusted Experts. Seamless Home Financing.

Mortgage Solutions Designed for You

From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.

PERSONALIZED MORTGAGE SOLUTIONS I SELF EMPLOYED

Personalized Mortgage Solutions

Your financial situation is unique, and your mortgage should be too. We tailor loan options to fit your needs, ensuring a seamless experience whether you’re a first-time homebuyer, self-employed, or refinancing.
Competitive Rates and Flexible Terms

Competitive Rates and Flexible Terms

Get the best of both worlds—low interest rates and loan terms that work for you. We offer competitive financing options designed to fit your budget and long-term goals.
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Expert Guidance from Start to Finish

Navigating home financing can feel overwhelming, but we’re here to make it simple. Our experts walk you through every step, ensuring a smooth and stress-free experience.
Nationwide Lending

Nationwide Lending Expertise

Wherever you’re looking to buy, we’ve got you covered. Our nationwide lending expertise means we can help you secure the right loan, no matter where you call home.
Fast Approvals

Fast Approvals

Time is of the essence when securing your home. Our streamlined process ensures quick approvals, so you can move forward with confidence—without unnecessary delays.
Support for Unique Borrowers

Support for Unique Borrowers

Traditional loans don’t fit everyone. Whether you’re self-employed, an investor, or a non-traditional borrower, we offer flexible financing options to meet your unique needs.
Commitment to Communication

Commitment to Communication

We keep you informed at every step. With clear updates, proactive support, and expert advice, we make sure you always know what’s next in your loan journey.
Trusted Team of

Trusted Team of Experts

Experience matters when it comes to home financing. Our dedicated team of mortgage professionals brings knowledge, integrity, and a customer-first approach to every loan we handle.

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From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.

Why Work with Brandon Papineau?

When it comes to home financing, Brandon Papineau brings more than just loan options—he brings personal attention, clear communication, and a genuine commitment to helping you succeed. As a trusted Mortgage Loan Officer at Everyday Lending, Brandon takes the time to understand your goals, explain your options in plain language, and guide you through every step with confidence.

Whether you’re a first-time homebuyer, a self-employed borrower, or an experienced investor, Brandon’s knowledge and care help simplify the mortgage process. He’s here to answer your questions, tailor solutions to your needs, and make sure you feel informed—not overwhelmed.

With Brandon, it’s not just about getting a loan—it’s about building trust and creating a smooth, supportive experience from application to closing.

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Your Path to Homeownership Starts Here

Frequently Asked Questions

We know home loans can feel overwhelming—but they don’t have to. At Everyday Lending, we’re here to make things simple. Explore our most common questions to get clear, straightforward answers about the mortgage process, loan options, and how we help you every step of the way.

Conventional Home Loan

What is a conventional home loan?
A conventional home loan is a mortgage that isn’t backed by a government agency like the FHA or VA. These loans follow guidelines set by Fannie Mae and Freddie Mac and are ideal for borrowers with good credit, stable income, and a solid financial profile. They offer a wide range of options for both first-time and repeat buyers, including fixed and adjustable-rate terms.

What are the benefits of a conventional mortgage?
Conventional loans offer flexible terms, competitive interest rates, and the potential to avoid mortgage insurance if you put down at least 20%. They can be used for a primary residence, second home, or investment property, giving borrowers more flexibility than government-backed options. You also get a broader choice of loan structures, including fixed and ARM loans.

What’s the minimum down payment for a conventional loan?
The minimum down payment is often as low as 3% for qualified first-time buyers, though putting down 20% or more allows you to avoid private mortgage insurance (PMI). Your exact down payment will depend on your credit score, loan amount, and whether you’re buying a primary home, second home, or investment property.

Do I need perfect credit to get a conventional loan?
Not at all. While higher credit scores (typically 620 and above) can help you secure better rates, you don’t need perfect credit to qualify. Brandon will review your full financial picture and help you find the best mortgage structure for your situation—even if your credit has room to grow.

Is mortgage insurance required for conventional loans?
If your down payment is less than 20%, you’ll typically need to pay private mortgage insurance (PMI). However, PMI can usually be removed once you reach 20% equity, unlike government-backed loans where mortgage insurance may be required for the life of the loan.

How long does it take to close on a conventional mortgage?
On average, closing a conventional loan takes about 30 days, but this can vary based on your specific scenario and documentation. Brandon works closely with his clients and lending partners to help ensure an efficient and transparent process from application to closing.

Can I use a conventional loan for investment properties?
Yes! Conventional loans can be used to finance investment properties, though the down payment and credit score requirements are typically higher than for primary residences. Brandon can help you explore your options if you’re looking to grow your real estate portfolio.

How do I get started?
Start with a quick conversation. Brandon will walk you through the basics, help you understand your options, and get you pre-approved if you’re ready. Whether you’re buying your first home, moving up, or refinancing, he’ll guide you every step of the way.

Conventional loans are a great option for borrowers who have good credit and want access to flexible terms, competitive interest rates, and a wide range of property types. They offer more control over your mortgage structure and can save money in the long term, especially if you’re able to put 20 percent down and avoid PMI. For first-time buyers, move-up buyers, or even real estate investors, conventional financing provides versatility and long-term value. Brandon Papineau helps you navigate your options and lock in the right solution based on your goals, income, and homeownership plans.

An FHA home loan is a government-backed mortgage insured by the Federal Housing Administration, created to help more people become homeowners — especially those with lower credit scores or limited savings. FHA loans are popular with first-time homebuyers, offering down payments as low as 3.5 percent, flexible debt-to-income ratios, and more lenient credit guidelines. These loans can be used to purchase or refinance a primary residence, and are available in fixed-rate terms. While mortgage insurance premiums (MIP) are required, FHA loans offer an accessible path to homeownership when conventional financing may be out of reach.

One of the biggest advantages of an FHA loan is the low down payment requirement. You may qualify with as little as 3.5% down if your credit score is 580 or higher. Gift funds from family members or down payment assistance programs can also be used to help meet this amount.

Yes! FHA loans are known for being credit-friendly. You can qualify with a credit score as low as 580, and in some cases even lower with a larger down payment. FHA guidelines are designed to accommodate borrowers who may not meet conventional loan standards.

Yes, FHA loans include two types of mortgage insurance premiums (MIP): an upfront MIP (usually rolled into the loan amount) and a monthly premium. Unlike conventional loans, FHA mortgage insurance typically remains for the life of the loan unless you refinance into a conventional mortgage later.

FHA loans can be used to purchase primary residences only. This includes single-family homes, certain multi-unit properties (up to 4 units), townhomes, and approved condos. They cannot be used for second homes or investment properties.

Yes! The FHA 203(k) program allows you to buy and renovate a home with a single loan. This is a great option if you’re looking to purchase a home that needs repairs or updates. Brandon can help you explore if this option is the right fit for your goals.

FHA loans are ideal for first-time homebuyers, self-employed borrowers, or anyone who needs a flexible lending option. If you have a moderate income, limited savings, or credit challenges, an FHA loan could be the right path to homeownership.

Brandon will guide you through the entire FHA process, from pre-qualification to closing. He’ll help you understand what documents you need, explain your options, and ensure you’re set up for success—whether you’re buying your first home or returning to the market.

Who is eligible for a VA Home Loan?
VA Loans are available to veterans, active-duty service members, National Guard and Reserve members, and some surviving spouses. To qualify, you typically need a valid Certificate of Eligibility (COE) and meet certain service requirements. Everyday Lending Group can help guide you through this process.

Do VA Loans require a down payment?
One of the biggest benefits of a VA Loan is that it often requires no down payment at all. This can make homeownership more accessible for those who’ve served, without needing to save for years upfront.

Is mortgage insurance required on a VA Loan?
No, private mortgage insurance (PMI) is not required on VA Loans—even with zero down. This saves borrowers hundreds of dollars a month compared to conventional loans with less than 20% down.

What is the VA Funding Fee?
The VA Funding Fee is a one-time fee that helps support the VA loan program. The amount depends on your down payment (if any), loan type, and whether you’ve used a VA loan before. In some cases, veterans with service-connected disabilities may be exempt from this fee.

Can I use a VA Loan more than once?
Yes, you can reuse your VA Loan benefit as long as you meet the eligibility requirements. Whether you’ve sold your previous home or still own it, there are ways to use your entitlement again—ask us how.

Can I use a VA Loan to buy an investment property?
VA Loans are specifically for primary residences only. However, if you plan to live in the home and rent out other units (like a duplex), you may still qualify. For investment properties, we offer DSCR and Non-QM solutions.

Do VA Loans have credit score requirements?
While the VA doesn’t set a minimum credit score, most lenders—including Everyday Lending Group—look for a score of around 620 or higher. However, we offer flexible solutions and can work with borrowers who have lower scores in some cases.

What types of properties can I buy with a VA Loan?
VA Loans can be used to buy single-family homes, condos, townhomes, and even new construction—as long as the home will be your primary residence and meets VA appraisal standards.

Can I use a VA Loan to refinance my existing mortgage?
Yes! You can use a VA Interest Rate Reduction Refinance Loan (IRRRL) or a VA cash-out refinance to improve your loan terms or access your home’s equity. These options are fast, affordable, and backed by the VA.

A Non-Qualified Mortgage (Non-QM) is a type of home loan designed for borrowers who don’t meet the strict requirements of traditional lending. These loans offer flexible underwriting and are ideal for self-employed borrowers, real estate investors, and those with non-traditional income or credit events like recent bankruptcies or foreclosures.

Non-QM (Non-Qualified Mortgage) loans open the door for homebuyers and investors who don’t fit into traditional lending boxes. Whether you’re self-employed, earn irregular income, or have recently experienced a credit event, Non-QM loans offer a flexible path to financing without the rigid requirements of conventional loans.

These loans are perfect for entrepreneurs, freelancers, real estate investors, and retirees—anyone who has the ability to repay but may not show it in standard documentation. With options like bank statement mortgages, 1099 loans, DSCR loans, and asset-based lending, Non-QM loans empower you to qualify on your terms.

If you’ve been turned away by big banks or feel stuck with limited options, a Non-QM loan could be your bridge to homeownership or your next property investment—with personalized support, real underwriting, and smart solutions that work for your life.

A bank statement loan is a type of non-traditional mortgage designed for self-employed borrowers, freelancers, or business owners who may not qualify using standard tax returns. Instead of W-2s or pay stubs, lenders review 12 to 24 months of personal or business bank statements to calculate income based on actual deposits. This makes it possible to qualify using real cash flow — even if your tax returns show reduced income due to write-offs and deductions. These loans can be used to purchase or refinance primary residences, second homes, or investment properties.

Bank statement loans are a smart solution for self-employed individuals who earn solid income but don’t meet the narrow guidelines of traditional loan programs. If your business is growing, but your adjusted gross income doesn’t reflect it, this loan lets you qualify based on how much money you actually bring in. Brandon Papineau specializes in helping entrepreneurs and independent earners secure mortgage financing that aligns with their financial reality. With the right documentation and strategy, a bank statement loan gives you the flexibility to buy or refinance without being penalized for being your own boss.

Foreign National Mortgages and ITIN Loans are financing options for borrowers who are not U.S. citizens and may not have a Social Security number or traditional U.S. credit history. Foreign national loans are typically used by international buyers purchasing second homes or investment properties in the U.S., while ITIN loans are for individuals who live and work in the U.S. and file taxes using an Individual Taxpayer Identification Number. These loans rely on alternative documentation, such as foreign credit reports, passport ID, proof of income, or asset statements. They are designed to help qualified non-citizens access home financing in the United States.

These mortgage solutions give non-resident buyers, new immigrants, and undocumented workers the opportunity to purchase or invest in U.S. real estate — even without a Social Security number or standard credit profile. Whether you’re an international investor looking for a U.S. property or someone working in the country under an ITIN, this type of financing gives you access to the market with fewer roadblocks. Brandon Papineau works one-on-one with foreign nationals and ITIN borrowers to simplify the approval process, structure a strong loan application, and help you build your financial future through homeownership or investment in U.S. real estate.

A self-employed home loan is a mortgage solution designed for business owners, freelancers, and independent contractors who don’t receive traditional W-2 income. Since self-employed borrowers often write off expenses and show lower taxable income on paper, these loans use alternative income verification — such as bank statements, 1099s, or profit and loss statements — to calculate qualifying income. These loans can be used for a primary residence, second home, or even investment property, and may be structured through Non-QM programs to allow more flexible underwriting standards than traditional mortgages.

If you’re self-employed and earning good income, a traditional loan might still turn you down based on your tax returns alone. Self-employed mortgages allow you to qualify based on your actual income and business performance — not what’s left after deductions. Whether you’re running a small business or managing multiple income streams, Brandon Papineau understands how to structure a loan that reflects your financial reality. He helps entrepreneurs navigate their options and provides a clear path to financing that works with the way they earn — not against it.

First-time homebuyer loans and down payment assistance (DPA) programs are designed to help eligible buyers afford the upfront costs of purchasing a home — including the down payment and closing costs. These programs may come in the form of grants, deferred second loans, or forgivable assistance, and are often paired with FHA, VA, or conventional mortgages. Eligibility typically depends on income, location, and whether you’ve owned a home in the past three years. Many programs are run by state or local housing agencies, and some offer special incentives for teachers, nurses, first responders, and veterans.

If you’re ready to buy but haven’t saved enough for a full down payment, DPA programs can help you get into a home sooner without draining your savings. They’re especially useful for buyers who qualify for a loan but are struggling with upfront costs. Many programs also reduce monthly payments by lowering the loan amount or offering closing cost credits. Brandon Papineau works closely with eligible buyers to identify available assistance in their area and structure the loan for long-term affordability. With the right strategy, buying your first home becomes less overwhelming and a lot more achievable.

A jumbo home loan is a type of mortgage used to finance properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. In most areas, that limit is around $766,550 (as of 2024), but it can be higher in select high-cost regions. Jumbo loans are commonly used to buy luxury homes, multi-unit properties, or real estate in competitive markets where prices exceed traditional limits. These loans require stricter qualifications — including higher credit scores, larger down payments, and strong income documentation — due to the increased risk lenders take on.

If you’re purchasing a high-value property and need financing above standard limits, a jumbo loan allows you to avoid splitting your mortgage or paying out of pocket. Whether you’re buying a primary residence, second home, or investment property, jumbo loans offer flexibility in terms and competitive rates for qualified buyers. Brandon Papineau helps clients confidently navigate the more detailed underwriting process, ensuring you meet lender requirements and close on time. With the right strategy, securing jumbo financing can be smooth, straightforward, and tailored to your financial goals.

Investment property financing refers to mortgage loans used to purchase or refinance real estate that generates income, such as rental homes, multi-unit properties, or short-term vacation rentals. Unlike primary residence loans, these require stricter guidelines, including a larger down payment, higher credit score, and strong documentation of income or rental potential. Lenders may use traditional income verification, or for certain loan types like DSCR (Debt Service Coverage Ratio) loans, they qualify the borrower based on the expected cash flow of the property itself rather than personal income. These loans are commonly used by first-time investors or seasoned landlords looking to scale.

Investment property loans help you grow long-term wealth and create passive income through real estate. Whether you’re buying your first rental or adding to your portfolio, the right financing structure can maximize your cash flow and tax advantages. Brandon Papineau helps real estate investors understand available loan types, estimate return on investment, and meet lender requirements with confidence. He works with both full-document and non-traditional programs — including DSCR and bank statement options — to make sure your loan supports your investment goals and timeline.

A refinance home loan is when you replace your current mortgage with a new one — often to lower your interest rate, reduce monthly payments, change loan terms, or access equity. There are two main types: rate-and-term refinance, which adjusts your loan without borrowing more, and cash-out refinance, where you pull equity out as cash for renovations, debt consolidation, or other large expenses. Refinancing may also be used to remove mortgage insurance or switch from an adjustable-rate to a fixed-rate loan. The process involves a new application, updated credit and income verification, and often an appraisal.

Refinancing can be a smart financial move if interest rates have dropped or your credit has improved since you took out your original mortgage. It can also help you pay off your home faster, eliminate PMI, or tap into your home equity without selling. For real estate investors, it’s a powerful way to increase cash flow or fund new property purchases. Brandon Papineau helps homeowners and investors evaluate timing, compare loan options, and build a refinancing strategy that aligns with long-term goals — ensuring your mortgage continues to work for you, not against you.

A cash-out refinance is a type of mortgage that lets you tap into the equity in your home by replacing your current loan with a new one for a larger amount — and receiving the difference in cash at closing. This financing option is often used for home renovations, debt consolidation, college tuition, or even funding a real estate investment. To qualify, lenders typically require you to retain at least 20 percent equity in your home after the refinance. The loan may come with a new interest rate, term, or monthly payment depending on your goals and current market conditions.

If you’ve built up equity in your home, a cash-out refinance allows you to put that value to work — without selling your property or taking on high-interest consumer debt. It’s often cheaper than personal loans or credit cards and can be rolled into a manageable monthly mortgage payment. Brandon Papineau helps homeowners weigh the pros and cons, calculate how much they can safely borrow, and structure the refinance to meet both short-term needs and long-term financial plans. Whether you’re upgrading your home or funding a new opportunity, this is a strategic way to unlock equity with confidence.

A USDA home loan is a government-backed mortgage offered by the U.S. Department of Agriculture that helps low- to moderate-income buyers purchase homes in eligible rural and suburban areas. One of the biggest benefits of a USDA loan is 100% financing — meaning no down payment is required. These loans also feature low interest rates, reduced mortgage insurance, and flexible credit guidelines. To qualify, the property must be located in a designated USDA zone, and the borrower must meet income and occupancy requirements. USDA loans are available as fixed-rate mortgages and are used only for primary residences.

A USDA loan is one of the most affordable mortgage options available if you meet the location and income criteria. It removes the barrier of a large down payment and offers more forgiving credit requirements, making homeownership accessible for families who might otherwise be priced out. Whether you’re a first-time buyer or relocating to a rural area, this program can significantly reduce upfront and monthly costs. Brandon Papineau helps buyers determine eligibility, navigate the application process, and take full advantage of the USDA program — making rural and suburban homeownership more achievable than ever.

A reverse mortgage is a loan available to homeowners 62 and older that allows them to access a portion of their home equity without making monthly mortgage payments. The most common type is the FHA-insured Home Equity Conversion Mortgage (HECM). With a reverse mortgage, the lender makes payments to the homeowner — as a lump sum, monthly installments, or line of credit — and the loan is repaid when the home is sold or the borrower no longer occupies the property. These loans can also be used to purchase a new home, allowing seniors to relocate without taking on a traditional mortgage payment.

Reverse mortgages can provide financial freedom in retirement by turning equity into tax-free income or eliminating monthly housing costs. They’re ideal for homeowners who want to age in place, supplement retirement income, or cover expenses like healthcare, home improvements, or debt payoff. Because no monthly mortgage payments are required, it can reduce financial stress while maintaining ownership of the home. Brandon Papineau walks clients and their families through the details, explaining costs, options, and protections so they can make a confident, informed decision about using their home to support a stronger retirement strategy.

Everyday Lending Group offers personalized mortgage solutions, fast and accurate quotes, competitive rates, and exceptional service delivered with integrity.

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