States We Serve — Mortgage Programs by State
1st Nationwide Mortgage offers DSCR investor loans in 41 states plus D.C., NONI loans in 49 states, and full-service programs including FHA, VA, bank statement, and conventional. Find programs available in your state.
Multi-State Mortgage Lending
1st Nationwide Mortgage (NMLS #1281) offers DSCR investor loans in 41 states plus D.C., NONI investor loans in 49 states, and bank statement, FHA, VA, conventional, and jumbo programs. Browse the state pages below to see programs available in your area. Whether you’re a first-time homebuyer, a veteran, a self-employed borrower qualifying with bank statements, or a real estate investor using DSCR financing — we have programs built for your situation.
Talk to a Loan Specialist — (833) 350-9185Where We Lend
States with Dedicated Program Pages
The states below have dedicated pages for bank statement, DSCR, FHA, VA, conventional, and other programs:
Southeast
- Alabama — Bank Statement Loans · DSCR Loans
- Florida — Bank Statement Loans · DSCR Loans
- Georgia — Bank Statement Loans · DSCR Loans
- North Carolina — Bank Statement Loans · DSCR Loans
- South Carolina — Bank Statement Loans · DSCR Loans
- Tennessee — Bank Statement Loans · DSCR Loans
- Virginia — Bank Statement Loans · DSCR Loans
West
- Alaska — Bank Statement Loans · DSCR Loans
- Arizona — Bank Statement Loans · DSCR Loans
- California — Bank Statement Loans · DSCR Loans
- Colorado — Bank Statement Loans · DSCR Loans
- Idaho — Bank Statement Loans · DSCR Loans
- Montana — Bank Statement Loans · DSCR Loans
- Oregon — Bank Statement Loans · DSCR Loans
- Washington — Bank Statement Loans · DSCR Loans
Midwest
Southwest
DSCR Investor Loans — 41 States, plus D.C.
DSCR rental-property loans are also available in the following additional states through our wholesale network:
- Arkansas
- Connecticut
- Delaware
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Oklahoma
- Pennsylvania
- Rhode Island
- West Virginia
- Wisconsin
- Wyoming
- Washington, D.C.
Program and state availability vary. DSCR investor loans are available in 41 states plus D.C.; NONI investor loans in 49 states. Additional states and programs may be available — contact us to confirm availability for your scenario.
Loan Programs Available Across Our Network
| Program | Best For | Income Docs Required |
|---|---|---|
| Bank Statement Loans | Self-employed borrowers | 12–24 months of bank deposits |
| DSCR Loans | Real estate investors | None — property cash flow qualifies |
| NONI Investment Loans | Experienced investors, high loan amounts | None — property cash flow qualifies |
| No-Income Mortgages | Asset-rich borrowers, retirees | Varies by program |
| FHA Home Loans | First-time buyers, low down payment | Tax returns, W-2s |
| VA Home Loans | Veterans, active military | Tax returns, W-2s |
| Conventional Loans | Strong credit, competitive rates | Tax returns, W-2s |
| Jumbo Loans | High-value properties | Tax returns, W-2s |
Why Borrowers Choose 1st Nationwide
- Multi-state lending — One lender for properties in multiple states. Investors with holdings across the Southeast and beyond don’t need to find a new lender for each deal.
- Non-QM expertise — Bank statement loans, DSCR loans, and no-income programs are our specialty, not an afterthought. We know how to structure and close non-traditional loans.
- Dedicated loan officers — You work with a real person who knows your file. No call centers, no hand-offs.
- Investor-focused — We understand portfolio lending. Whether it’s property #1 or #25, each DSCR deal stands on its own cash flow.
Get Started
Contact us at (833) 350-9185 or check your eligibility to explore your options in any of the states we serve.
Alaska Mortgage Loans
Alaska mortgage programs — DSCR, bank statement, and commercial loans for Alaska real estate investors. 1st Nationwide Mortgage, NMLS #1281.
California Mortgage Loans
California mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for California borrowers. 1st Nationwide Mortgage, NMLS #1281.
Arizona Mortgage Loans
Arizona mortgage programs — DSCR, bank statement, and commercial loans for Arizona real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Colorado Mortgage Loans
Colorado mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for Colorado borrowers. 1st Nationwide Mortgage, NMLS #1281.
Florida Mortgage Loans
Florida mortgage programs — DSCR, bank statement, and commercial loans for Florida real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Georgia Mortgage Loans
Georgia mortgage programs — DSCR, bank statement, and commercial loans for Georgia real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Idaho Mortgage Loans
Idaho mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for Idaho borrowers. 1st Nationwide Mortgage, NMLS #1281.
Iowa Mortgage Loans
Iowa mortgage programs — DSCR, bank statement, and commercial loans for Iowa real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Montana Mortgage Loans
Montana mortgage programs — DSCR, bank statement, and commercial loans for Montana real estate investors. 1st Nationwide Mortgage, NMLS #1281.
North Carolina Mortgage Loans
North Carolina mortgage programs — DSCR, bank statement, and commercial loans for North Carolina real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Oregon Mortgage Loans
Oregon mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for Oregon borrowers. 1st Nationwide Mortgage, NMLS #1281.
South Carolina Mortgage Loans
South Carolina mortgage programs — DSCR, bank statement, and commercial loans for South Carolina real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Texas Mortgage Loans
Texas mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for Texas borrowers. 1st Nationwide Mortgage, NMLS #1281.
Tennessee Mortgage Loans
Tennessee mortgage programs — DSCR, bank statement, and commercial loans for Tennessee real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Virginia Mortgage Loans
Virginia mortgage programs — DSCR, bank statement, and commercial loans for Virginia real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Washington Mortgage Loans
Washington mortgage programs — FHA, VA, conventional, jumbo, bank statement, and DSCR loans for Washington borrowers. 1st Nationwide Mortgage, NMLS #1281.
Ohio Mortgage Loans
Ohio mortgage programs — DSCR, bank statement, and commercial loans for Ohio real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Alabama Mortgage Loans
Alabama mortgage programs — DSCR, bank statement, and commercial loans for Alabama real estate investors. 1st Nationwide Mortgage, NMLS #1281.
Arkansas DSCR Loans — Little Rock & NW Arkansas Rentals
DSCR loans in Arkansas qualify investors on rental income — no tax returns. Close in Little Rock, Fayetteville, Bentonville, and statewide.
Connecticut DSCR Loans — Hartford & New Haven Rentals
DSCR loans in Connecticut qualify investors on rental income — no tax returns. Close in Hartford, New Haven, Bridgeport, and statewide.
Delaware DSCR Loans — Wilmington & Coastal Rentals
DSCR loans in Delaware qualify investors on rental income — no tax returns. Close in Wilmington, Dover, Newark, and statewide.
Hawaii NONI Investment Loans | No Income, No Asset Verification
Hawaii investor loans via our NONI program. Qualify on rental income alone — no tax returns, no W-2s. Up to $3.5M. Short-term rentals and foreign nationals welcome.
Illinois DSCR Loan Requirements — Chicago Investors
DSCR loans in Illinois qualify investors on rental income — no tax returns. Close in Chicago, Rockford, Springfield, and statewide.
Indiana DSCR Loans — Indianapolis Cash-Flow Rentals
DSCR loans in Indiana qualify investors on rental income — no tax returns. Close in Indianapolis, Fort Wayne, South Bend, and statewide.
Kansas DSCR Loans — Kansas City & Wichita Rentals
DSCR loans in Kansas qualify investors on rental income — no tax returns. Close in Wichita, Kansas City KS, Topeka, and statewide.
Kentucky DSCR Loans — Louisville & Lexington Rentals
DSCR loans in Kentucky qualify investors on rental income — no tax returns. Close in Louisville, Lexington, Bowling Green, and statewide.
Louisiana DSCR Loans — New Orleans STRs & Rentals
DSCR loans in Louisiana qualify investors on rental income — no tax returns. Close in New Orleans, Baton Rouge, Shreveport, and statewide.
Maine DSCR Loans — Coastal STR & Rental Financing
DSCR loans in Maine qualify investors on rental income — no tax returns. Close in Portland, Augusta, Bangor, and statewide.
Maryland DSCR Lender — Baltimore & DC Suburb Rentals
DSCR loans in Maryland qualify investors on the property's rental income — no tax returns. Close in Baltimore, Annapolis, Bethesda, and across MD.
Massachusetts DSCR Lender — Qualify on Rental Income
DSCR loans in Massachusetts qualify investors on rental income — no tax returns. Close in Boston, Worcester, Springfield, and across MA.
Mississippi DSCR Lender — Jackson & Gulfport Rentals
DSCR loans in Mississippi qualify investors on rental income — no tax returns. Close in Jackson, Gulfport, Hattiesburg, and statewide.
Missouri DSCR Loans — KC, St. Louis & Ozarks STRs
DSCR loans in Missouri qualify investors on rental income — no tax returns. Close in Kansas City, St. Louis, Springfield, and across MO.
Nebraska DSCR Loans — Omaha & Lincoln Rental Financing
DSCR loans in Nebraska qualify investors on rental income — no tax returns. Close in Omaha, Lincoln, and statewide.
New Hampshire DSCR Loans — Lakes Region STRs & Rentals
DSCR loans in New Hampshire qualify investors on rental income — no tax returns. Close in Manchester, Nashua, Portsmouth, and statewide.
New Jersey DSCR Loans for Real Estate Investors | No Income Docs
DSCR loans in New Jersey qualify investors on rental income — no tax returns, no W-2s. Close in Newark, Jersey City, and statewide.
New Mexico DSCR Loans — Albuquerque & Santa Fe Rentals
DSCR loans in New Mexico qualify investors on rental income — no tax returns. Close in Albuquerque, Santa Fe, Las Cruces, and statewide.
New York NONI Investment Loans | No Income, No Asset Verification
New York investor loans via our NONI program. Qualify on rental income alone — no tax returns, no W-2s. Up to $3.5M. NYC, Long Island, upstate. Foreign nationals welcome.
Oklahoma DSCR Loans — OKC & Tulsa Cash-Flow Rentals
DSCR loans in Oklahoma qualify investors on rental income — no tax returns. Close in Oklahoma City, Tulsa, Norman, and statewide.
Pennsylvania DSCR Loans — Philadelphia Rental Financing
DSCR loans in Pennsylvania qualify investors on the property's rental income — no tax returns or W-2s. Close in Philadelphia, Pittsburgh, and across PA.
Rhode Island DSCR Lender — Providence & Newport
DSCR loans in Rhode Island qualify investors on rental income — no tax returns. Close in Providence, Warwick, Newport, and statewide.
Washington DC DSCR Loans — Qualify on Rental Income
DSCR loans in Washington DC qualify investors on rental income — no tax returns. Close in DC. Strong federal employment drives rental demand.
West Virginia DSCR Loans — Investment Property Loans
DSCR loans in West Virginia qualify investors on rental income — no tax returns. Close in Charleston, Morgantown, Huntington, and statewide.
Wisconsin DSCR Loans — Milwaukee & Madison Rentals
DSCR loans in Wisconsin qualify investors on rental income — no tax returns. Close in Milwaukee, Madison, Green Bay, and statewide.
Wyoming DSCR Loans — Jackson Hole STRs & Rentals
DSCR loans in Wyoming qualify investors on rental income — no tax returns. Close in Cheyenne, Jackson, Casper, and statewide.
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.