States We Serve — Mortgage Programs by State
DSCR investor loans in 41 states plus D.C., NONI in 49, and full-service FHA, VA, bank statement, and conventional programs. Find yours by 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.
NONI investor loans (no income or asset verification) are also available in Hawaii and New York:
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 Investment Property Loans
Alaska investment-property financing through business-purpose lending programs — DSCR and non-owner-occupied bank statement loans. Anchorage yield reality and what actually structures. 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 Investment Property Loans
Arizona investment-property loans — business-purpose DSCR and non-owner bank statement. Submarket yields, STR rules, qualification. 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 Investment Property Loans
Florida investment-property loans — business-purpose DSCR and non-owner bank statement. Insurance impact on DSCR, condo SIRS rules. NMLS #1281.
Georgia Investment Property Loans
Georgia investment-property loans — business-purpose DSCR and non-owner bank statement. Metro yields, eviction timelines, deposits. 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 Investment Property Loans
Iowa investment-property financing through business-purpose lending programs — DSCR and non-owner-occupied bank statement loans. 1st Nationwide Mortgage, NMLS #1281.
Montana Investment Property Loans
Montana investment-property financing through business-purpose lending programs — DSCR and non-owner-occupied bank statement loans. 1st Nationwide Mortgage, NMLS #1281.
North Carolina Investment Property Loans
North Carolina investment-property loans — business-purpose DSCR and non-owner bank statement. Cap rates by market, the second-lien rule. 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 Investment Property Loans
South Carolina investment-property financing through business-purpose lending programs — DSCR and non-owner-occupied bank statement loans. 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 Investment Property Loans
Tennessee investment-property loans — business-purpose DSCR and non-owner bank statement. Memphis yields, Nashville STR permits. NMLS #1281.
Virginia Investment Property Loans
Virginia investment-property financing through business-purpose lending programs — DSCR and non-owner-occupied bank statement loans. 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 Investment Property Loans
Ohio investment-property loans — business-purpose DSCR and non-owner bank statement. City yield data, attorney closing mechanics. NMLS #1281.
Alabama Investment Property Loans
Alabama investment-property financing through business-purpose lending programs — DSCR and non-owner-occupied bank statement loans. 1st Nationwide Mortgage, NMLS #1281.
Connecticut Investment Property Loans
Connecticut investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Delaware Investment Property Loans
Delaware investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Hawaii Investment Property Loans
Hawaii investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Illinois Investment Property Loans
Illinois investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Indiana Investment Property Loans
Indiana investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Kansas Investment Property Loans
Kansas investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Kentucky Investment Property Loans
Kentucky investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Louisiana Investment Property Loans
Louisiana investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Maine Investment Property Loans
Maine investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Maryland Investment Property Loans
Maryland investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Massachusetts Investment Property Loans
Massachusetts investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Mississippi Investment Property Loans
Mississippi investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Missouri Investment Property Loans
Missouri investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Nebraska Investment Property Loans
Nebraska investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
New Hampshire Investment Property Loans
New Hampshire investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
New Jersey Investment Property Loans
New Jersey investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
New Mexico Investment Property Loans
New Mexico investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
New York Investment Property Loans
New York investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Oklahoma Investment Property Loans
Oklahoma investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Pennsylvania Investment Property Loans
Pennsylvania investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Rhode Island Investment Property Loans
Rhode Island investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Washington, D.C. Investment Property Loans
Washington, D.C. investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
West Virginia Investment Property Loans
West Virginia investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Wisconsin Investment Property Loans
Wisconsin investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Wyoming Investment Property Loans
Wyoming investment property loans — qualify on rental income, no tax returns or W-2s. Business-purpose financing. NMLS #1281.
Arkansas Investment Property Loans
Arkansas investment-property loans — business-purpose DSCR and non-owner bank statement. NW Arkansas growth and Little Rock yields. NMLS #1281.
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.