Loan Options for Every Situation

Purchase Loans

Who it's for: First time buyers, move up buyers, anyone purchasing a primary residence.

Programs

• FHA LoansAs low as 3.5% down. Credit scores from 580+. Great for first time buyers.
• VA Loans0% down for eligible veterans and active duty service members.
• Conventional LoansFlexible options, often with lower PMI than FHA.
• Jumbo LoansFor higher priced homes above conforming loan limits.

Key Benefits

• Payment first approach: we start with your comfortable monthly payment
• Pre-approval in as little as 24 hours
• Guidance from application to closing

Refinancing

Who it's for: Current homeowners looking to optimize their mortgage or access cash.

Options

• Rate & term refinanceLower your rate or shorten your term.
• Cash out refinanceAccess equity for renovations, debt payoff, or investment.
• Streamline refinanceSimplified process for existing FHA/VA loans.
• Debt consolidationRoll high interest debt into your mortgage.

Investor Financing

Who it's for: Real estate investors, portfolio builders, Airbnb operators, fix & flip.

Programs

• DSCR LoansQualify based on property rental income alone. No personal income verification required.
• Bank Statement Loans12 or 24 months of bank statements. No tax returns needed.
• 1099 LoansPerfect for independent contractors and gig workers.
• P&L LoansQualify using a CPA prepared profit and loss statement.

Key Benefits

• No personal income verification (DSCR)
• Finance multiple properties simultaneously
• Competitive rates across multiple lenders

Home Equity Solutions

Who it's for: Homeowners looking to leverage existing equity.

Options

• HELOCRevolving line of credit secured by your home.
• 2nd MortgageLump sum against your equity.
• Cash Out RefinanceRefinance your first mortgage and pull cash out.

Key Benefits

• Keep your existing low mortgage rate (HELOC/2nd mortgage)
• Flexible use of funds: renovations, investments, debt payoff
• Tax-deductible interest in many cases

Self-Employed & Non-QM

Who it's for: Self-employed borrowers, business owners, 1099 workers, anyone who doesn't fit the traditional W-2 box.

Programs

• Bank Statement Loans (12 or 24 months)
• 1099 Only Loans
• P&L Loans (CPA prepared)
• Asset Based Qualification
• Recent credit events considered

If your tax returns don't reflect what you actually earn, we have programs built for that.

Specialty Loans

Who it's for: Buyers with unique situations or properties.

Programs

• New ConstructionFinance the build of a new home.
• Land LoansPurchase land before building.
• Hard Money Exit RefinancesRefinance out of short-term hard money loans into long-term financing.
• 2nd MortgagesSecondary financing for additional equity access.