Knowledge & variety are what we offer.

Because one size does not fit all, we have a variety of loan programs. We recognize our borrowers as individuals, each with different needs, and our experts tailor the loan to meet those needs. Factors such as income, credit score, debt-to-income ratio, assets, and property type and location often determine what type of loan you might need. Contact us today to let one of our loan advisors help you find the loan that fits you.
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FEATURED PROGRAM

Jumbo Loans

Jumbo loans are those with loan amounts higher than the conventional loan limits set by the Federal Housing Finance Agency (FHFA).

  • $766,550 2024 conforming loan limit in most of continental U.S. (single-family homes)

  • $1,149,825 in high-cost areas & Alaska, Hawaii, Guam, and the U.S. Virgin Islands (single-family homes)

  • More strict underwriting guidelines

  • Often require two appraisals

Conventional

Conventional loans are not insured by any government agency, so they are a good option for people with good credit. Down payments can be as low as 3% for some borrowers, but loans with down payments or equity of less than 20% require PMI (private mortgage insurance).

FHA

The Federal Housing Administration (FHA) insures your loan so we can offer lower down payments and relaxed credit qualifying. Buyers with imperfect or limited credit history and/or limited money for down payment may benefit from an FHA loan. Down payments are as low as 3.5%.

VA

The Veterans Administration (VA) helps Service members, Veterans, and eligible surviving spouses become homeowners by guaranteeing a portion of the loan. This allows us to offer more favorable terms, such as no down payment and no private mortgage insurance (PMI) required.

USDA

USDA loans are issued through the U.S. Department of Agriculture (USDA) and are intended to help borrowers with low- to -moderate-incomes and imperfect purchase a home with as no money down. Household income and property locations must meet eligibility requirement set by the USDA.

Construction-to-Permanent

Planning to build a home? Construction-to-Permanent loans are loans intended to help finance land, if needed, build a home, and later convert to become the mortgage for the home. These loans may also be used for significant renovations, although they can not be used to completely tear down a home and rebuild on the land.

Bank Statement Loan

Bank statement loans are a type of alternate documentation loan that does not require the documents that most loans need to prove your income. It generally requires 12 to 24 months of bank statements in lieu of tax returns. Down payments are as low as 10%. This type of loan may be an option for self-employed borrowers.

1099 Income Loan

A 1009 income loan is a great solution for self-employed and contract-work based borrowers who may have difficulty qualifying for a traditional loan. Borrowers can use their 1099 earning statements to show business income instead of tax returns.

Debt Service Coverage Loan

Debt Service Coverage loans (DSCR) is a non-qualifying mortgage loan option built for investors. DSCR allows the borrower to qualify for the loan based on the subject property’s cash flow rather than the borrower’s income. It allows vesting of title in LLCs & corporations and has interest-only payment options to optimize cash flow.

Down Payment Assistance

Conventional and FHA loans may qualify for 100% financing with down payment assistance in the form of an a second mortgage. There are a variety of repayment options, including interest-only.

P&L Loans

P&L (Profit & Loss) Loans are another great option for self-employed borrowers who take a lot of deductions on their tax returns. Instead of qualifying in a traditional manor, borrowers can qualify based on the strength of their business’s Profit & Loss statement.

Medical Professional Loans

Medical Professional Loans, sometimes called Doctor Loans, are a loan product that offers flexible financing options that are designed for Doctors, RN’s, Physician Assistants, Nurse Practitioners, Dentists, Veterinarians, Doctors of Pharmacy, and more. These loans do not require counting the debt from medical school student loans that are deferred. 

HELOC | 2nd Mortgages

HELOC (Home Equity Lines of Credit) and second mortgages offer the ability to access your home’s equity without having to refinance your current first mortgage. Buying a home? Utilize a second mortgage or HELOC to avoid mortgage insurance or to have funds available for home improvements/renovations, furniture and other expenses that may arise.

Working Capital Loans

A working capital loan is a short-term loan that helps finance the everyday operations of your company, such as additional working capital, new facilities or expansions, equipment purchases, financing receivables, mergers and acquisitions, and more.

Commercial Loans

We offer a full product suite for all of your commercial financing needs with competitive rates and terms. Properties across the U.S. are eligible.

BEST PROGRAMS OFFERED

Program Highlights

  • FHA/VA down to 580 credit score

  • Lock & Shop

  • Day 1 Certainty

  • Manual Underwriting on FHA/VA/Conventional

  • Unlimited Financed Properties

  • One Day out of Bankruptcy/Foreclosure

  • Asset-Based Loans

  • Condos

  • No Minimum Tradeline Requirements

  • Escrow Holdback

  • Manufactured Homes

  • Close with Offer Letter (no paystub needed at time of closing)

  • Foreign Nationals

  • No Credit Score Loans

  • …and more!