Alterra Home Loans is a national mortgage lender specializing in serving underserved markets, particularly first-time homebuyers. They offer conventional, FHA, VA, and USDA loans, with options for borrowers without a Social Security number. Their target audience includes diverse and minority communities. The unique selling proposition is their focus on closing the homeownership gap by providing innovative solutions and high approval rates, with a commitment to customer service and community development. Alterra operates in over 40 states, offering a personalized approach through local loan officers[1][3][5].