Relax. We Make Lending Easy.

Get a quote to buy or refinance your home today using one of our unique and alternative loan programs.

Home Purchase

Ready to buy a home? If you’re ready to talk about the next step, you’re in the right place!

Home Refinance

Need to consolidate debt, get cash-out, or make home improvements? We can help!

Home Equity

Have a low rate but need to tap into your equity? We can help without touching your low rate!

Home Purchase

Ready to buy a home? If you’re ready to talk about the next step, you’re in the right place!

Home Refinance

Need to consolidate debt, get cash-out, or make home improvements? We can help!

Home Equity

Have a low rate but need to tap into your equity? We can help without touching your low rate!

Home Purchase

Ready to buy a home? If you’re ready to talk about the next step, you’re in the right place!

Home Refinance

Need to consolidate debt, get cash-out, or make home improvements? We can help!

Home Equity

Have a low rate but need to tap into your equity? We can help without touching your low rate.

Have a Unique Income Situation and Can’t get Qualified for Traditional Lending?

Equinox Home Financing has a menu of alternative and creative loan programs that can help homeowners get qualified. Below is our menu of programs available. See a program that fits your situation? Click on the loan to learn more.



DSCR Rental Property Loans

Loans for real estate investors looking to buy a long-term or short-term rental….



Bank Statement Loans

Loans for business owners who don’t have tax returns or paystubs to qualify for a mortgage…



Conventional Loans

The most traditional loan available today. These are easy for us and we offer great terms and quick turn times…



Foreign National Loans

Loans for Non US Citizens who want to buy real estate here in the US. No income or credit required…



1099 Only Loans

Loans are made for those who are 1099 contractors who can’t provide tax returns with sufficient income…



Bank Statement Home Equity Loans

For individuals looking for a cash-out loan without touching an existing loan…



No Income Loans

Loans that do not require any type of income verification. Available for purchases and refinance’s…



ITIN Loans

Loans for folks who are authorized to work in the US but they do not have proper citizenship…



Jumbo Loans

Looking to finance a large loan amount? We can help. Our loans go up to $5 million…



CPA Profit & Loss Loans

For self-employed borrowers that have fluctuating income throughout the year…



FHA Loans

We offer home purchase and refinance programs that are offered by FHA for those with lower credit…



VA Loans

We love our Veteran’s and offer great terms. We offer both purchase and refinance loans…

Call Today so we can help you choose the right program

1-888-505-8960

How Much is Your Home Worth?

Whether you’re curious about home values or a loan for a specific property, we make it easy to get the info on the home you own — or wish to own.

Get Home Value Now

Check out our Hundreds of 5 Star Reviews

5 out of 5 stars
Naveen .S
12/09/2024
					EXCEPTIONAL!!! John’s extensive knowledge and seasoned expertise was extremely resourceful and helped us greatly in securing mortgage for our dream home in Frisco, TX. John, Tony, Janelle and the entire team of Equinox were very professional and they made the entire process seamless and enjoyable. Highly recommend for anyone looking for mortgage. BIG THANK YOU TO JOHN FOR MAKING OUR DREAM COME TRUE!
read moreread less
5 out of 5 stars
Kara A
12/06/2024
					We first met Tony and he immediately had a solution to our needs when others could not help us find a loan. As a small business owner we were and too qualify for a closed end second mortgage. Tony helped us through the whole process and he was calm and positive. His business partner Randy came in at the end to help us close. We would highly recommend especially if you have been told no before.
read moreread less
5 out of 5 stars
Chase Davis
12/05/2024
					Archie and Janelle have been incredible partners to work with, and I truly appreciate their dedication and professionalism. Their attention to detail and ability to bring creative solutions to the table have been instrumental in our success. I love how seamless and collaborative our process has been, which speaks volumes about their commitment and teamwork. It’s exciting to be working on our 5th deal together, a testament to the trust and synergy we’ve built over time. I couldn’t ask for better collaborators, and I’m looking forward to achieving even greater milestones with them!
read moreread less
5 out of 5 stars
Derek Kopunec
12/03/2024
					I have closed and worked with many different lenders in the past.  Equinox and specifically the team I worked with Archie and Briana , really focused on my needs and made the entire closing process from start to finish smooth and quick.  Definitely recommend over the large corporate companies that are not as efficient.  Highly recommended working with this professional organization.
read moreread less
5 out of 5 stars
Aida Castellano
12/03/2024
					I had the pleasure of working with John and his incredible team to purchase my first home. They are extremely competent and were so helpful during the whole process. I couldn't have had a better experience and will be recommending them to anyone who needs home financing assistance.
read moreread less
5 out of 5 stars
D
11/28/2024
					When looking into a home equity loan my wife and I had the pleasure of working with Tony Le and his team at Equinox Home Financing. Tony asked great questions to better understand what we were looking for and presented us with the best loan options to meet our needs. Tony set realistic time lines and informed us of the necessary documents and costs associated with the loan. Our loan processor Lauren Kim was very communicative and pleasant to work with. Lauren always returned our calls and email the same day to our satisfaction.

Lauren and Tony are shining examples of what makes Equinox Home Financing, Inc. a great place to do business.

We would highly recommend them to anyone we know looking for home loan financing.
read moreread less
5 out of 5 stars
sergio salazar
11/28/2024
					John is your atypical Lender having been in this business for 20 years as a real estate agent I have experienced this firsthand on a recent transaction. It was a different type of financing so it was going to be a bit of an uphill battle from the start however John made promises and delivered on those promises, a lot of times other lenders will over promise and under deliver in this case  it was the opposite. He was very certain that things were going to happen in this transaction and he worked down to the final minute to make sure that they did my client was able to close the transaction on time as he had promised. Integrity is something that is hard to find in this industry. I definitely plan on using John services in the future as an agent. my own personal refinance or purchases on my own properties.
read moreread less
5 out of 5 stars
val l
11/20/2024
					Wow Janelle and Tony were amazing throughout this process. They were both great at communicating and returning emails. They helped us understand all the steps and we were able to close in a very quick amount of time. Highly recommend going through them!!
read moreread less
5 out of 5 stars
Simon Liao
11/20/2024
					Buying a home is way more complicated than I could have imagined. It’s been great working with Equinox. John has been absolutely the best at answering questions and finding solutions. Christine has been wonderful helping keep everything organized and moving so we could expedite our closing. Would not buy another home without them.
read moreread less