Residential Purchase

Traditional home loans for buying primary residences. Competitive rates, various term options, and down payment assistance to make homeownership straightforward and achievable.

DSCR Loans

Debt Service Coverage Ratio loans for investment properties. Qualifies based on the property's rental income potential rather than personal income, ideal for real estate investors.

Foreign National Loans

Mortgages for non-U.S. residents or citizens without traditional credit history. Flexible options using assets, international income, or alternative documentation to finance U.S. properties.

HELOCS

Home Equity Lines of Credit provide revolving access to your home's equity. Draw funds as needed for renovations, debt consolidation, or emergencies with flexible repayment.

Bank Statement Loans

Alternative mortgages using bank statements to verify income instead of tax returns. Great for self-employed borrowers or those with non-traditional income sources.

First-Time Homebuyer

Special programs with low down payments, closing cost help, and educational resources. Designed to ease the process and make buying your first home more affordable.

Refinance

Replace your existing mortgage with better terms, lower rates, reduced payments, or cash out equity. Options for rate-and-term or cash-out to fit your financial goals.

Asset-Based Lending

Loans qualified primarily on your assets rather than income. Perfect for high-net-worth borrowers or those with substantial savings/investments but irregular earnings.

Fix & Flip Loans

Short-term financing for investors purchasing, renovating, and reselling properties quickly. Covers acquisition and rehab costs with fast funding based on after-repair value.

FHA/USDA/VA

Government-backed loans designed for accessibility. FHA offers low down payments and flexible credit; USDA provides zero-down options for rural areas; VA delivers no-down-payment benefits for eligible veterans and service members.

Unique Property Loans

Specialized financing for non-traditional homes like manufactured, modular, or unconventional properties. Flexible guidelines help buyers secure funding when standard loans fall short.

ITIN Loans

Mortgages for borrowers using an Individual Taxpayer Identification Number instead of a Social Security number. Ideal for non-citizens and immigrants, offering a path to homeownership with alternative documentation.

Bridge Loans

Short-term financing to bridge the gap when buying a new home before selling your current one. Provides quick cash for down payments or transitions until permanent mortgage funding is secured.

Reverse Mortgage

For homeowners 62+, converts home equity into tax-free cash without monthly payments. The loan is repaid when you sell, move out, or pass away. Perfect for supplementing retirement income.

Private Money

Fast, flexible loans from private investors, often for investment properties or unique situations. Higher rates but quicker approval and less strict requirements than traditional bank financing.

Doctor Programs

Tailored mortgages for physicians and medical professionals with favorable terms like low/no down payments, student debt flexibility, and high loan limits to support high-earning careers.

Non-Warrantable

Financing for condos or properties that don't meet standard Fannie Mae/Freddie Mac guidelines. Enables purchases or refinances in unique buildings with flexible underwriting.

Construction Loans

Short-term funding to build your dream home from the ground up. Covers land, materials, and labor, often converting to a permanent mortgage upon completion.

We start by listening. Share your situation, purchase price, property type, timeline, or investment strategy, and we’ll present tailored options that fit your life (and save you time and money).

Your free quote is ready when you are.