top of page

Our Loan Programs

Residential Loans

Qualified Mortgages

COVENTIONAL LOANS


A conventional mortgage loan is a “conforming” loan, which simply means that it meets the requirements for Fannie Mae or Freddie Mac


A conventional loan is a mortgage loan that's not backed by a government agency. While some government-backed loans provide unique benefits to homebuyers, conventional loans remain far and away the most common type of mortgage. 

FHA LOANS


An FHA loan is a government-backed mortgage insured by the Federal Housing Administration. FHA home loans require lower minimum credit scores and down payments than many conventional loans, which makes them especially popular with first-time homebuyers.

VA LOANS


A VA loan is a mortgage loan available through a program established by the U.S. Department of Veterans Affairs (VA) (previously the Veterans Administration). With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally get a competitive interest rate.

USDA LOANS

The USDA Loan is a mortgage option available to some rural and suburban homebuyers. USDA Home Loans are issued by qualified lenders and guaranteed by the United States Department of Agriculture (USDA).

USDA Home Loans are particularly favorable to those living in rural or low-income areas. USDA Loans offer $0 money down, lenient eligibility requirements and competitive interest rates - due to the loan being guaranteed by the USDA.

JUMBO LOANS

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. Also called non-conforming conventional mortgages, jumbo loans are considered riskier for lenders because these loans can’t be guaranteed by Fannie Mae and Freddie Mac.



Non-Qualified Mortgage

Debt-Service Coverage Ratio

(DSCR loans)

DSCR loan is good for investment properties. With DSCR loans, you can qualify with a market rental value, no income check required.

Fix and Flip

Business purpose loan for Real Estates investors. Our flexible short-term financing for the purchase and rehab of investment properties features competitive rates


* 12, 18 & 24 month terms with interest-only options

* No application fee

* No appraisal

* No income or employment verification

* No asset verification


No Income Documents

Open the doors of homeownership for credit-worthy borrowers who don’t bank traditionally or have otherwise been locked out from opportunities and access to financing

* Primary Residence and Second Homes

* Credit Underwritten Based on LTV, FICO, and Liquidity

* Income Documentation Not Required

* Debt-to-Income (DTI) Not Calculated

Bank Statements Qualifier

Qualify with 100% on Personal Account and 50% on Business Account Deposits.

* Combination of Personal and Business Bank Statements allowed


* 3 months, 12 months and 24 months Bank Statement options


* Multiple financed properties allowed


* Primary, 2nd Home and Investment


Bridge Loan Program

Bridge loans for investment properties only. Bridge loans are available for 1-4 unit properties, condo hotels, offices, multi-family, and properties under development.

* Interest Only

* No Income on 1003

* Foreign National allowed

* No asset seasoning

* Eligible for Non-Permanent Residents

* Cryptocurrencies accepted for reserves, down payments and closing costs

* No income documentation, income verification, or asset seasoning are required

Foreign National

Loan special for borrower who is a non resident of United States and want to own a investment property in the United States.

* Cash-out allowed

* CPA Letter for last 2 years & year-to-date

* One bank reference letter

* Overseas assets allowed as reserves

* Gift funds allowed

* Cryptocurrencies accepted for reserves, down payments and closing costs

Commercial Loans

Mobile Home Park Lending

  • Flexible credit parameters
  • Purchase, refinance, and cash out refinance programs available
Eligible Properties
  • Park-owned coaches allowed
  • Single and double wide coaches accepted
  • 1-star parks considered
  • Located in a nationwide metropolitan statistical area with a growing population of at least 250,000

Retail, Office, and Industrial Lending


Eligible Properties
  • Credit or non-credit tenants
  • High foot or auto traffic with good visibility (retail)
  • Flexible on rollover risk and month-to-month tenancy
  • Single tenant and owner occupied on a case-by-case basis 

Multi-Family Lending


Property Flexibility
  • Stabilized properties with at least two units in major metropolitan statistical
  • Areas with a population of at least 250,000
  • Multifamily financing requests are considered on 2 to 200 unit apartment buildings or communities 

bgImage

Email with questions


Call with questions

Get to know today's MORTGAGE RATES and find the perfect loan for you.

1-877-655-5055

bottom of page