Loan

Programs

Discover the right loan for your journey!

Loan Programs

Each with its own special abilities!

There are a wide range of loan programs designed to fit your unique needs. Whether you’re buying your first home, refinancing, or investing in real estate, there is a perfect solution to help you reach your goals. Explore the loan programs below and take the next step towards your dream home.

Conventional Fixed Rate Mortgages (FRM)

Conventional Fixed Rate Mortgages offer the stability of predictable monthly payments and interest rates for the life of the loan. Ideal for those who plan to stay in their home long-term, this option ensures that your mortgage remains consistent, helping you plan your financial future with confidence. With no surprises in your mortgage payments, you can focus on what matters most—enjoying your home.

Mortgage Types:

Fannie Mae
Freddie Mac

Adjustable Rate Mortgages (ARM)

Looking for a lower initial interest rate? Adjustable Rate Mortgages (ARM) may be the perfect fit. ARMs offer a fixed rate for a set period, followed by adjustments based on the market. This option is ideal for homeowners planning to move or refinance before the adjustment period begins. If you're comfortable with some flexibility, an ARM could save you money upfront and offer the potential for lower rates in the future.

Mortgage Types:

Fannie Mae
Freddie Mac
Non-QM (All)

FHA Mortgage Loans

First-time homebuyer? FHA Mortgage Loans are designed with you in mind. Backed by the Federal Housing Administration, these loans offer lower down payment requirements and more flexible qualification standards, making homeownership more accessible. With an FHA loan, you can get into your new home with as little as 3.5% down, making it easier to achieve your dream of homeownership.

Mortgage Types:

FHA

Home Equity Loans/Line of Credit

Unlock the value of your home with Home Equity Loans and Line of Credit. Whether you need to renovate, consolidate debt, or cover other expenses, this loan allows you to borrow against the equity you’ve built in your home, providing a powerful financial tool with competitive rates and flexible terms. Use the funds as you see fit, and enjoy peace of mind knowing you’re leveraging your home’s value in the most effective way possible.

Mortgage Types:

Non-QM (Close-Ended 2nd Mortgage)
HELOCS (Home Equity Line of Credit)

Jumbo Loans

For those looking to purchase a high-value property, Jumbo Loans provide the financing you need. These loans exceed the conforming loan limits and offer competitive rates, giving you the flexibility to invest in your dream home without compromise. Whether you're buying a luxury home or an expansive estate, Jumbo Loans ensure you have the financial backing to make your vision a reality.

Mortgage Types:

Fannie Mae Non-conforming

Refinance Mortgage Loans

Lower your monthly payments, shorten your loan term, or tap into your home’s equity with Refinance Mortgage Loans. There are a variety of refinancing options to help you meet your financial goals, whether you're looking to save money or take cash out. Refinancing can also help you switch from an adjustable rate to a fixed rate, providing stability in uncertain times.

Mortgage Types:

Fannie Mae
Freddie Mac
FHA/VA/USDA
Non-QM (All)

VA Mortgage Loans

If you’re a veteran, active-duty service member, or eligible family member, VA Mortgage Loans offer exceptional benefits, including no down payment and no private mortgage insurance. This program is designed to honor your service and help you secure your dream home. VA loans often come with lower interest rates and more flexible qualification requirements, making them a powerful tool for veterans looking to buy or refinance.

Mortgage Types:

Self-Employed Borrowers

Being your own boss shouldn’t stand in the way of homeownership. Loan options for self-employed borrowers are tailored to consider your unique income situation, helping you secure a mortgage with ease. Traditional income verification methods might not work for you; these loans offer flexible documentation options that respect your entrepreneurial spirit.

Mortgage Types:

Fannie Mae
Freddie Mac
FHA/VA/USDA
Non-QM (Alt. Doc-Bank Statement/P&L Loan)

Borrowers With Considerable Assets

Have substantial assets but non-traditional income? Loan programs for high-net-worth individuals offer flexible qualification standards, allowing you to leverage your assets to secure the financing you need for your next home. Whether your wealth is tied up in investments, real estate, or other non-liquid forms, you can turn those assets into the buying power you need.

Mortgage Types:

Fannie Mae
Freddie Mac
FHA/VA/USDA
Non-QM (Asset Depletion)

Foreign Buyers

Navigating the U.S. mortgage market as a foreign buyer can be challenging, but we’re here to help. Our loan programs are designed to accommodate non-resident and resident aliens, making the process smooth and straightforward. We offer expertise in handling the unique documentation and legal requirements for foreign buyers, ensuring that your experience is as seamless as possible.

Mortgage Types:

Non-QM (ITIN)
Foreign National

Buyers With Blemished Credit History

Don’t let past credit issues hold you back from owning a home. Loan programs for buyers with less-than-perfect credit offer flexible qualification criteria, helping you turn the dream of homeownership into reality. Life happens, and you deserve a second chance to build a brighter financial future through responsible homeownership.

Mortgage Types:

FHA (manual underwrite)
Non-QM (Full Doc, 1-Yr Tax Returns)

Real Estate Investors

Maximize your investment potential with specialized loan programs for real estate investors. Whether you’re purchasing your first rental property or expanding your portfolio, these programs offer competitive rates and tailored solutions to help you succeed. Our investor-friendly loans are designed to help you navigate the complexities of financing multiple properties, fixer-uppers, and new builds, ensuring your investments work hard for you. (see next section)

Mortgage Types:

Non-QM (DSCR)
Fix n Flip
Bridge
Construction
Blanket Loans
5+ Units
Land
Commercial

Commercial Lending Products

Going beyond the traditional residential space!

There is a category of loan programs designed to fit the needs of investors: commercial lending. Whether you’re building a suburb, refinancing a 4-unit condo, or fixing to flip a single family home, there are options to help make achieve your goals. View the loan programs below and decide what product will best fit your investment goals.

Ground-Up Construction

Building your dream property from scratch? Our Ground-Up Construction Loans provide the financing you need to bring your vision to life. With flexible terms and competitive rates, we’re here to help you lay the foundation for success—literally.

Features:

1-4 Unit residential, townhomes & condos
Foreign Nationals Allowed!

Bridge Loans

Need temporary financing to bridge the gap between transactions? Our Bridge Loans are the perfect solution for short-term funding, giving you the flexibility to transition smoothly between investments or properties.

Features:

1-4-Unit Rent-ready
DSCR and No DSCR Exit Options

Fix-and-Flip Loans

Transform properties and maximize profits with our Fix-and-Flip Loans. Designed for investors looking to purchase, renovate, and sell properties, these loans offer quick approvals and tailored terms to keep your projects moving.

Features:

1-4 Unit residential, townhomes & condos
100% Rehab costs
Foreign Nationals Allowed

Rental Portfolio Loans

Streamline your investment strategy with our Rental Portfolio Loans. Whether you own multiple rental properties or are planning to expand, this program consolidates your financing into one manageable solution, helping you grow your portfolio efficiently.

Features:

Multiple single family/2-4 unit/townhome/PUD/condos
Non-Recourse Options

DSCR Loans

Simplify real estate investing with our Debt Service Coverage Ratio (DSCR) Loans. Perfect for 1-4 unit properties and warrantable condos, these loans focus on property cash flow rather than personal income, making them ideal for seasoned investors.

Features:

1-4 Unit residential, townhomes & condos
Fixed rate, partial interest-only and hybrid ARMs
Non-Recourse Options
Easy seasoning requirements

Single-Family Rental Loans

Invest in single-family homes with confidence. Our Single-Family Rental Loans are tailored for investors seeking long-term financing for rental properties. Enjoy competitive rates and terms designed to maximize your returns.

Features: