# Roxford Holdings Inc. — Complete Program Reference > Roxford Holdings Inc. is a nationwide licensed mortgage lender (NMLS #1843021) headquartered in Katy, Texas. This document provides comprehensive details on all financing programs, qualification criteria, application processes, and frequently asked questions. ## Company Information - Legal Name: Roxford Holdings Inc. - NMLS Number: #1843021 - Headquarters: 23015 Colonial Parkway, Building A, Suite A108-2, Katy, TX 77449 - Phone: (888) 466-5422 - Email: info@roxfordholdings.com - Website: https://roxfordholdings.com - Service Area: All 50 U.S. states - Specialties: Residential mortgages, commercial real estate financing, investment property loans, specialty programs for non-traditional borrowers --- ## RESIDENTIAL LOAN PROGRAMS ### FHA Loans - URL: https://roxfordholdings.com/programs/fha-loans - Type: Government-backed (Federal Housing Administration) - Down Payment: As low as 3.5% (with 580+ credit) or 10% (with 500-579 credit) - Terms: 15-30 years fixed - Credit Score: 580+ for 3.5% down; 500-579 for 10% down - DTI Ratio: Up to 57% - Timeline: 30-45 days to close - Key Features: Assumable loans, streamline refinancing available, flexible credit guidelines - Who Qualifies: First-time homebuyers, borrowers with limited savings, buyers with higher DTI ratios, those 2+ years after bankruptcy discharge - How It Works: (1) Get pre-approved with financial documents, (2) Find FHA-eligible property, (3) Complete FHA appraisal, (4) Finalize with underwriting, (5) Close in 30-45 days - FAQ: FHA loans require mortgage insurance for the life of the loan. They are only for primary residences. FHA loan limits vary by county. ### Conventional Loans - URL: https://roxfordholdings.com/programs/conventional-loans - Type: Traditional (not government-backed), conforming to Fannie Mae/Freddie Mac guidelines - Down Payment: 3-20% - Terms: 10-30 years, fixed and adjustable - Credit Score: 620+ (best rates at 740+) - Timeline: 25-40 days to close - Key Features: PMI removable at 20% equity, no government restrictions, higher loan limits, faster processing - Who Qualifies: Borrowers with 620+ credit, stable income, 2+ years employment, primary/second homes/investment properties ### VA Loans - URL: https://roxfordholdings.com/programs/va-loans - Type: Government-guaranteed (Department of Veterans Affairs) - Down Payment: 0% (zero down payment) - Terms: 15-30 years - Credit Score: Lower requirements than conventional - Timeline: 30-45 days to close - Key Features: No PMI ever, below-market rates, reusable benefit, no prepayment penalties, assumable - Who Qualifies: Veterans (90+ days active duty), active duty service members, National Guard/Reserve (6+ years), eligible surviving spouses - Requirements: Certificate of Eligibility (COE), primary residence only, VA funding fee may apply ### USDA Rural Loans - URL: https://roxfordholdings.com/programs/usda-loans - Type: Government-backed (U.S. Department of Agriculture) - Down Payment: 0% (zero down payment) - Terms: 30 years fixed - Credit Score: Typically 640+ - Income Limits: Household income cannot exceed 115% of area median - Location: Property must be in USDA-eligible rural or suburban area - Key Features: Below-market rates, low mortgage insurance, no cash reserves required ### Jumbo Loans - URL: https://roxfordholdings.com/programs/jumbo-loans - Type: Non-conforming (exceeds Fannie Mae/Freddie Mac limits) - Minimum Amount: $766,550+ (most areas); higher in high-cost areas - Down Payment: 10-20% - Terms: 15-30 years, fixed and adjustable - Credit Score: 700+ typically - Key Features: No loan ceiling, competitive rates, portfolio lending, flexible underwriting - Requirements: Excellent credit, substantial reserves (6-12 months), documented income --- ## INVESTMENT PROPERTY PROGRAMS ### DSCR Loans (Debt Service Coverage Ratio) - URL: https://roxfordholdings.com/programs/dscr-loans - Qualification: Based on property cash flow, NOT personal income - DSCR Formula: Monthly Rent ÷ Monthly Mortgage Payment (PITIA) - Minimum DSCR: Typically 1.0 or higher - Down Payment: 20-25% - Terms: 30 years - Timeline: 15-30 days to close - Documentation: No tax returns, W-2s, or pay stubs required - Property Types: Investment properties only (not primary residences) - Entity Lending: Available for LLC, corporation, and entity borrowers - Who Qualifies: Real estate investors, self-employed investors, foreign nationals, entity borrowers - FAQ: DSCR is calculated by dividing monthly rent by the total monthly payment. A 1.0 means rent exactly covers the payment. ### Fix and Flip Loans - URL: https://roxfordholdings.com/programs/fix-and-flip - Type: Short-term rehabilitation financing - Terms: 6-18 months - Timeline: 7-14 days to close - Leverage: Up to 90% of purchase price + rehab costs - Payments: Interest-only during renovation - Prepayment: No penalties - Funding: Draw-based (disbursed as work is completed and verified) - Who Qualifies: Experienced flippers, first-timers with experienced contractors, real estate LLCs ### Rental Portfolio Loans - URL: https://roxfordholdings.com/programs/rental-portfolio - Minimum: 4+ rental properties - Down Payment: 20-25% - Terms: 15-30 years - Timeline: 30-45 days - Underwriting: Portfolio-based (evaluates combined property performance) - Features: Cross-collateralization, streamlined documentation, competitive rates - Who Qualifies: Landlords with 4+ properties, LLC borrowers, investors consolidating loans --- ## SPECIALTY PROGRAMS ### Down Payment Assistance (DPA) - URL: https://roxfordholdings.com/programs/down-payment-assistance - Financing: Up to 100% (zero borrower down payment) - Credit Score: 580 minimum - Income Limits: NONE - Geographic Limits: NONE — available in all 50 states - Buyer Type: First-time AND repeat buyers eligible - Terms: 30-year first mortgage with DPA secondary financing - DPA Structure: May be forgivable second mortgage, grant, or deferred payment loan - Timeline: 30-45 days - FAQ: No income limits apply. Both first-time and repeat buyers qualify. Repayment terms depend on the specific DPA program used. ### Homeownership Empowerment Program - URL: https://roxfordholdings.com/programs/homeownership-empowerment - LTV: Up to 96.5% - Down Payment: 3.5% minimum - ITIN Borrowers: YES — Individual Taxpayer Identification Number holders eligible - DACA Recipients: YES — eligible for this program - Self-Employed: 3-month bank statement qualification (no tax returns) - Bankruptcy: 1-day seasoning after discharge (vs. 2-4 years for FHA/conventional) - Non-Traditional Income: Accepted (gig workers, freelancers, contractors) - Timeline: 30-45 days - FAQ: ITIN holders do not need a Social Security Number. DACA recipients are eligible. Bank statement income often results in higher qualification than tax return income. ### DreamBuilder Lease-to-Own - URL: https://roxfordholdings.com/programs/dreambuilder-lease-to-own - Type: Lease-to-own homeownership pathway - Lease Period: Typically 1-3 years - Rent Credits: Portion of monthly rent credited toward future down payment - Support: Credit improvement coaching, financial education included - Purchase Price: Typically locked at program start - Conversion: Convert to traditional mortgage when qualification criteria met - Who Qualifies: Borrowers not currently qualifying for traditional mortgage, renters with stable income, those recovering from credit events ### Bank Statement Loans - URL: https://roxfordholdings.com/programs/bank-statement-loans - Statements: 12 or 24 months of personal or business bank statements - Tax Returns: NOT required - Income Calculation: Based on average monthly deposits - Down Payment: 10-20% - Terms: 15-30 years, fixed and adjustable - Property Types: Primary residences and investment properties - Credit Score: Typically 620+ - Self-Employment: Minimum 2 years in business - Who Qualifies: Self-employed business owners, freelancers, gig workers, real estate agents, commissioned salespeople, consultants --- ## COMMERCIAL FINANCING PROGRAMS ### Multi-Family Properties (5+ units) - URL: https://roxfordholdings.com/commercial/multi-family - Loan Amounts: $250K to no upper limit - Rates: From 6.5% - LTV: Up to 80% - Terms: Up to 30 years - Closing: 14-30 days - No personal income verification required ### Mixed-Use Properties - URL: https://roxfordholdings.com/commercial/mixed-use - Combined residential and commercial financing - LTV: Up to 75% - Terms: Up to 25 years ### Retail Properties - URL: https://roxfordholdings.com/commercial/retail - Shopping centers, strip malls, standalone retail - LTV: Up to 75% - Terms: Up to 25 years - Includes tenant credit and traffic analysis ### Office Buildings - URL: https://roxfordholdings.com/commercial/office - Office and medical office properties - SBA options for owner-occupied (10-15% down) - LTV: Up to 75% - Terms: Up to 25 years ### Industrial Properties - URL: https://roxfordholdings.com/commercial/industrial - Warehouses, distribution centers, manufacturing - Environmental assessments required - LTV: Up to 75% - Terms: Up to 25 years ### Specialized Properties - URL: https://roxfordholdings.com/commercial/specialized-properties - Hotels, car washes, automotive, self-storage - LTV: Up to 70% - Terms: Up to 20 years ### SBA Loans - URL: https://roxfordholdings.com/commercial/sba-loans - For owner-occupied commercial property - LTV: Up to 90% - Government guarantee ### Commercial Bridge Loans - URL: https://roxfordholdings.com/commercial/bridge-loans - Terms: 6-36 months - Close in 7-14 days - Interest-only options ### Light Documentation Programs - URL: https://roxfordholdings.com/commercial/light-documentation-programs - Reduced paperwork for experienced investors - Faster approvals ### Bank Statement Programs (Commercial) - URL: https://roxfordholdings.com/commercial/bank-statement-programs - 12-24 month bank statements - No tax returns for self-employed commercial borrowers ### Foreign National Programs - URL: https://roxfordholdings.com/commercial/foreign-national-programs - No U.S. credit required - LTV: Up to 65% - ITIN financing available --- ## CONTACT INFORMATION Roxford Holdings Inc. 23015 Colonial Parkway, Building A, Suite A108-2 Katy, TX 77449 Phone: (888) 466-5422 Email: info@roxfordholdings.com Website: https://roxfordholdings.com NMLS #1843021 | Equal Housing Lender Licensed in all 50 states Social Media: - Website: https://www.roxfordholdings.com - Facebook: https://www.facebook.com/roxfordholdings - LinkedIn: https://www.linkedin.com/company/roxfordholdings - Instagram: https://www.instagram.com/roxfordholdings - YouTube: https://www.youtube.com/@roxfordholdings