# Roxford Holdings Inc. > Roxford Holdings Inc. is a nationwide licensed mortgage lender (NMLS #1843021) headquartered in Katy, Texas, specializing in residential, commercial, and investment property financing. ## Company Overview Roxford Holdings Inc. provides comprehensive real estate financing solutions across all 50 states. The company offers residential mortgages, commercial real estate loans, investment property financing, and specialty programs designed for underserved borrower populations. Licensed under NMLS #1843021, Roxford Holdings is committed to transparent lending practices and personalized service. - Website: https://roxfordholdings.com - Phone: (888) 466-5422 - Email: info@roxfordholdings.com - Address: 23015 Colonial Parkway, Building A, Suite A108-2, Katy, TX 77449 - NMLS: #1843021 ## Residential Loan Programs ### FHA Loans Government-backed mortgage with 3.5% minimum down payment. Credit scores accepted from 580. Flexible debt-to-income ratios up to 57%. Terms of 15-30 years. Ideal for first-time homebuyers. Streamline refinancing available. ### Conventional Loans Traditional mortgage not government-backed. Down payments as low as 3%. No mortgage insurance (PMI) with 20% down. PMI removable at 20% equity. Terms from 10-30 years. Fixed and adjustable rate options. Credit scores typically 620+. ### VA Loans Zero down payment mortgage for veterans and military service members. No private mortgage insurance ever. Below-market interest rates. Reusable benefit. Available to veterans, active duty, National Guard, Reserve, and eligible surviving spouses. Certificate of Eligibility required. ### USDA Rural Loans Zero down payment mortgage for eligible rural and suburban areas. Below-market interest rates. Low mortgage insurance costs. Income limits apply (115% of area median). 30-year fixed-rate terms. ### Jumbo Loans High-balance mortgages exceeding conforming loan limits ($766,550+ in most areas). Competitive rates comparable to conforming loans. Fixed and adjustable rate options. Down payments from 10-20%. Credit scores typically 700+. ## Investment Property Programs ### DSCR Loans (Debt Service Coverage Ratio) Investment property loans based on property cash flow, not personal income. No tax returns, W-2s, or pay stubs required. DSCR calculated as monthly rent divided by mortgage payment. Minimum DSCR typically 1.0. Available for LLC and entity borrowers. 20-25% down payment. 30-year terms. Closes in 15-30 days. ### Fix and Flip Loans Short-term financing for property rehabilitation and resale. Closes in 7-14 days. Up to 90% of purchase price plus rehab costs. Interest-only payments. 6-18 month terms. No prepayment penalties. Draw-based renovation funding. ### Rental Portfolio Loans Financing for 4+ rental properties under one loan. Portfolio-based underwriting evaluating combined cash flow. Cross-collateralization options. 15-30 year terms. Ideal for landlords scaling their rental business. ## Specialty Programs ### Down Payment Assistance 100% financing with no borrower down payment required. Credit scores accepted from 580. No income limits or geographic restrictions. Available in all 50 states. Works with both first-time and repeat buyers. Assistance may be forgivable second mortgage, grant, or deferred loan. ### Homeownership Empowerment Program Mortgage for non-traditional borrowers. ITIN (Individual Taxpayer Identification Number) holders eligible. DACA recipients eligible. Self-employed qualification using 3-month bank statements. 1-day bankruptcy seasoning (vs. 2-4 years for conventional). Up to 96.5% LTV. ### DreamBuilder Lease-to-Own Lease-to-own pathway to homeownership. Live in chosen home during lease period. Rent credits applied toward future down payment. Credit improvement support included. Financial education and coaching. Typically 1-3 year lease period, then convert to mortgage. ### Bank Statement Loans Mortgage qualification using 12-24 months of bank statement deposits instead of tax returns. Designed for self-employed borrowers, freelancers, gig workers, and business owners. Income calculated from average monthly deposits. Available for primary residences and investment properties. ## Commercial Financing Programs ### Multi-Family Properties Apartment buildings with 5+ units. Loan amounts from $250K with no upper limit. Rates from 6.5%. Terms up to 30 years. Up to 80% LTV. Closing in 14-30 days. ### Mixed-Use Properties Combined residential and commercial buildings. Separate evaluation of residential and commercial income. Terms up to 25 years. Up to 75% LTV. ### Retail Properties Shopping centers, strip malls, standalone retail. Terms up to 25 years. Tenant credit analysis. Location-based underwriting. ### Office Buildings Office buildings and medical offices. Single and multi-tenant. SBA options for owner-occupied (10-15% down). Terms up to 25 years. ### Industrial Properties Warehouses, distribution centers, manufacturing. Environmental assessments required. Terms up to 25 years. E-commerce-driven demand sector. ### Specialized Properties Hotels, car washes, automotive, self-storage. Industry-specific underwriting. Terms up to 20 years. ### SBA Loans Government-backed for owner-occupied commercial. Up to 90% LTV. Lower down payments. Longer amortization. ### Bridge Loans Short-term 6-36 month commercial financing. Close in 7-14 days. Interest-only options. Ideal for time-sensitive acquisitions. ### Foreign National Programs Non-U.S. citizen commercial financing. No U.S. credit required. Up to 65% LTV. ITIN financing available. ## Service Areas Roxford Holdings provides financing services nationwide across all 50 states, with particular expertise in Texas, California, Florida, New York, Arizona, and Nevada. ## Contact Information - Phone: (888) 466-5422 - Email: info@roxfordholdings.com - Website: https://roxfordholdings.com - Address: 23015 Colonial Parkway, Building A, Suite A108-2, Katy, TX 77449 ## Structured Data This site uses Schema.org JSON-LD on every page (Organization, WebSite, LocalBusiness, WebPage, BreadcrumbList, FAQPage, FinancialProduct, HowTo, Service) for search engines and AI systems. ## For More Information - All loan programs: https://roxfordholdings.com/programs - Residential financing: https://roxfordholdings.com/residential - Commercial financing: https://roxfordholdings.com/commercial - DSCR loans: https://roxfordholdings.com/programs/dscr-loans - Contact us: https://roxfordholdings.com/contact - Full details: https://roxfordholdings.com/llms-full.txt