What We Do
Our Loan Programs
From first-time homebuyers to seasoned real estate investors, we offer a comprehensive suite of mortgage products to fit every financial situation.
Conventional Loans
Conventional Purchase
Standard purchase financing for primary residences, second homes, and investment properties. Competitive rates with as little as 3% down for qualified borrowers.
- Fixed and adjustable rates
- Loan amounts up to conforming limits
- PMI removal at 20% equity
- Primary, second home, investment
Conventional Refinance
Rate-and-term or cash-out refinance to lower your rate, reduce your term, or access equity.
- Rate & term refinance
- Cash-out up to 80% LTV
- Streamline options available
- No prepayment penalty
Government-Backed Loans
FHA Loans
Federal Housing Administration loans with flexible credit requirements and low down payments — ideal for first-time homebuyers.
- 3.5% down payment
- Credit scores from 580+
- Gift funds allowed
- Seller concessions up to 6%
VA Loans
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses.
- 0% down payment
- No PMI required
- Competitive interest rates
- No prepayment penalty
USDA Loans
Zero-down financing for eligible rural and suburban properties through the U.S. Department of Agriculture.
- 100% financing available
- Low mortgage insurance
- Flexible credit guidelines
- Rural and suburban areas
Jumbo Loans
Jumbo Purchase & Refinance
High-balance financing for luxury and high-cost market properties exceeding conforming loan limits.
- Loan amounts $750K–$10M+
- Primary and second homes
- Competitive jumbo rates
- Interest-only options available
Super Jumbo
Ultra-high-balance financing for premium properties with customized underwriting.
- Loan amounts $3M+
- Flexible income documentation
- Asset depletion qualifying
- Luxury property specialists
Non-QM Specialty Products
SpecialtyBank Statement Loans
Qualify using 12–24 months of personal or business bank statements — ideal for self-employed borrowers.
- 12 or 24 month bank statements
- Self-employed friendly
- No tax returns required
- Up to 90% LTV
DSCR Loans (Investor)
Debt Service Coverage Ratio loans for real estate investors — qualify based on rental income, not personal income.
- No personal income required
- DSCR as low as 0.75
- Short-term rental eligible
- LLC vesting allowed
Asset Depletion / Dissipation
Qualify using liquid assets as income — perfect for high-net-worth borrowers with significant savings.
- Retirement accounts eligible
- No employment required
- Flexible asset types
- Jumbo amounts available
P&L / 1099 Loans
Qualify using a CPA-prepared profit & loss statement or 1099 income — no full tax returns needed.
- 12-month P&L accepted
- 1099 income qualifying
- Gig economy friendly
- Competitive rates
Foreign National Loans
Financing for non-U.S. citizens purchasing investment or vacation properties in the United States.
- No U.S. credit required
- ITIN accepted
- Investment properties
- Vacation homes
ITIN Loans
Mortgage financing for borrowers with an Individual Taxpayer Identification Number.
- No SSN required
- Alternative credit history
- Primary residence eligible
- Competitive terms
Hard Money Lending
InvestorsFix & Flip Loans
Short-term bridge financing for investors purchasing, renovating, and reselling residential properties.
- Up to 90% of purchase price
- Up to 100% of rehab costs
- Fast closings in 5–10 days
- 6–18 month terms
Bridge Loans
Short-term financing to bridge the gap between purchasing a new property and selling an existing one.
- Quick approval and funding
- Interest-only payments
- Flexible exit strategies
- Commercial and residential
Ground-Up Construction
Asset-based financing for new construction projects — residential and small commercial.
- Land and construction costs
- Draw schedule financing
- Experienced builder required
- Up to 70% LTC
HELOC & Home Equity
AI-PoweredAI HELOC
Access your home equity in minutes using our AI-powered platform. Get a real approval decision in as little as 5 minutes with no hard credit pull and no fees.
- Approval decision in as little as 5 minutes
- No hard credit pull to check your rate
- Lines up to $250,000 available
- No origination fee, no annual fee
Home Equity Loan
Fixed-rate second mortgage to access your home equity as a lump sum.
- Fixed rate and payment
- Lump sum disbursement
- Up to 85% CLTV
- Tax-deductible interest (consult tax advisor)
Not Sure Which Program Is Right for You?
Our licensed mortgage professionals will help you find the best fit.