Residential Owner-Occupied Property Financing

Whether you are looking to purchase, renovate, expand, or make improvements on one or more owner-occupied properties, you need ample financing. At HML Solutions, we specialize in providing residential owner-occupied property loans tailored to the needs of our clients.

Accessible Residential Owner-Occupied Loans

Traditional lenders typically separate owner-occupied financing programs, emphasizing that borrowers need to utilize loans solely for the commercial aspect of the property. This can be challenging, especially when an owner-occupied property needs renovations that impact both the commercial and residential aspects, or in the case of multi-unit residences that are occupied by the property owner. HML Solutions takes a more holistic approach by providing comprehensive residential owner-occupied property financing. Instead of focusing solely on credit ratings or revenue, we structure our loans around the value of the property itself to ensure our clients get the financing they need to carry out their plans. We also perform our own approvals and processing, which allows us to eliminate the red tape associated with traditional lenders and deliver the funding your need quickly and efficiently.


  • LOAN AMOUNTS: $100K – $50M+
  • LOAN TYPES: Single Family, Multi-Family, Bridge Loans, Real Estate Acquisition, Short Sales, Construction Loans, REOs, Bank Foreclosed Properties
  • LTV: Up to 75% of the as-is value or purchase price (whichever is lower)
  • TERM: 1 – 5 Years
  • RATE (APR): 6.99% – 12.00%
  • CLOSING: 1 – 2 Weeks
  • AMORTIZATION: Interest only 

Contact Us Today

Instead of jumping through hoops to get the financing you need for your residential owner-occupied properties, contact the team at HML Solutions. We will work directly with you to understand your needs, so we can create a financing solution that will help you reach your goals. Reach out to the team at HML Solutions today to learn more about our residential owner-occupied financing.


Use our quick-start application below to begin the process. Once received, we will contact you via phone to verify your interest and to gather a few more details:

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