Purchase & Refinance
Conventional, FHA and VA options for primary homes, plus rate-and-term or cash-out refinances that free equity for your next move.
- Conventional / FHA / VA
- Cash-out refinance
- First-time buyer programs
Lending Services
Financing that fitsthe deal in front of you
After 30 years in this business, we know which lenders actually close. We match buyers and investors to the right program — and when the bank says no, we structure another way.
Investor Lending
DSCR rental loans that qualify on the property's income instead of your tax returns — built for portfolio growth without W-2 limits.
- DSCR rental loans
- Portfolio & blanket loans
- No-income-doc options
Bridge & Rehab Capital
Short-term fix-and-flip and bridge financing with draw schedules that keep renovations moving and closings on time.
- Fix & flip funding
- Rehab draw schedules
- Fast-close bridge loans
Seller Financing
Legally structured seller-financed purchases for qualified buyers who don't yet have bank approval — a real path to ownership today.
- Owner-carry structures
- Flexible down payments
- Credit-repair runway
How It Works
Four steps from questionto keys in hand
01
Discovery Call
We review your goals, timeline and current credit or income picture.
02
Options Review
You get a side-by-side of the programs you realistically qualify for.
03
Pre-Approval
We coordinate documents with the lender and secure your approval letter.
04
Close & Scale
We close, then plan the next acquisition or refinance around your equity.
Key2Legacy Holdings is not a bank or licensed mortgage lender. We advise on structure and introduce you to licensed lending partners. All terms are subject to lender approval.
Let's find your number
One call tells us what you qualify for today and what to fix to qualify for more.