Loan Programs
Solutions for every situation
From first-time buyers to seasoned investors, we have a program for you.
Conventional Hi-Balance
Conforming loans above standard limits for high-cost counties — competitive rates without going jumbo.
VA
Zero down payment mortgage exclusively for veterans, active-duty service members, and eligible surviving spouses.
FHA
Government-backed loan with low down payments and flexible credit requirements, ideal for first-time buyers.
Jumbo
Financing for high-value properties that exceed conventional loan limits, with competitive rates and terms.
Super-Jumbo
Luxury-level financing for properties well above standard jumbo thresholds — tailored solutions for high-net-worth buyers.
ARM
Adjustable-rate mortgage with an initial fixed period offering lower starting rates — great for shorter-term ownership.
Non-QM
Flexible mortgage solutions for borrowers who don't fit traditional qualified mortgage guidelines.
Bank Statement
Qualify using 12–24 months of bank statements instead of tax returns — perfect for self-employed borrowers.
ITIN
Mortgage options for borrowers with an Individual Taxpayer Identification Number and no Social Security Number.
Owner Occupied Stated
Stated income program for owner-occupied properties — minimal documentation with flexible qualification.
Self Employed Only Programs
Loan programs built specifically for self-employed borrowers with alternative income documentation.
Profit and Loss Only Program
Qualify using a CPA-prepared profit and loss statement — no tax returns required.
No Ratio
Approval based on assets and credit without calculating debt-to-income ratio — simplified qualification process.
DSCR
Debt Service Coverage Ratio loan for investors — qualifies based on rental income, not personal income.
Investor Cash Flow
Investment property financing based on the property's cash flow potential rather than personal financials.
Fix and Flip
Short-term financing for investors buying, renovating, and reselling properties for profit.
Commercial
Real estate financing for commercial properties including retail, office, mixed-use, and industrial.
Small Balance Multi-Family
Financing tailored for smaller multi-family properties (2–20 units) with streamlined underwriting.
Single Property Rentals
Long-term financing for individual rental properties with investor-friendly terms.
Rental Portfolios
Blanket loans covering multiple rental properties under a single financing structure.
Investment Properties
Broad financing options for residential and commercial investment properties of all types.
Foreign Nationals
U.S. mortgage solutions for non-residents purchasing or refinancing property without U.S. credit history.
Low FICO
Loan programs for borrowers with lower credit scores who still need competitive financing options.
Previous Credit Events
Financing available after bankruptcy, foreclosure, or short sale — get back into homeownership sooner.
Crypto
Use cryptocurrency assets as part of your qualification — innovative programs for the modern borrower.
Cannabis Industry
Mortgage solutions for borrowers employed or self-employed in the cannabis industry.
Non-Warrantable Condos
Financing for condos that don't meet Fannie Mae or Freddie Mac guidelines — no project approval needed.
Co-ops
Specialized loans for cooperative housing — a common structure in major metro markets like New York.
Condotel
Financing for condo-hotel units that operate partly as short-term rentals or hotel-managed properties.
Unique Properties
Custom financing for non-standard properties that don't fit conventional appraisal or lending boxes.
Manufactured Home
Loan programs for manufactured and mobile homes — on permanent foundations and beyond.
Land Loans
Financing to purchase raw, unimproved, or improved land for residential or commercial use.
Construction Loan
Short-term financing to cover the cost of building a home, converting to a permanent loan at completion.
Ground-Up Construction
Builder and investor financing to develop new residential or commercial structures from the ground up.
HomeStyle Renovation
Fannie Mae program that lets you finance both purchase and renovation costs in a single conventional loan.
203K Rehab Loan
FHA loan that wraps purchase and rehabilitation costs into one mortgage for fixer-upper properties.
Rehab Property Loans
Financing to purchase and renovate distressed or outdated properties with a single loan.
New Construction
Purchase financing for newly built homes — close as the builder completes the project.
Reverse Mortgage
For homeowners 62+, convert home equity into cash with no required monthly mortgage payments.
HELOC
Home Equity Line of Credit — a revolving credit line based on your home's equity, drawn as needed.
Piggyback Loan
Two simultaneous loans — a first and second mortgage — to reduce or eliminate private mortgage insurance.
Second Mortgage
Tap your home's equity through a fixed second mortgage while keeping your existing first mortgage intact.
Cashout Refi Without Seasoning
Access your equity through a cash-out refinance without the typical 6–12 month seasoning requirement.
High LTV Jumbo
Jumbo financing with higher loan-to-value ratios — less down payment on luxury properties.
Interest Only
Pay only interest for an initial period to maximize cash flow and keep monthly payments lower.
Portfolio Program
In-house lender loans held on the lender's own books — more flexible guidelines for complex scenarios.
40-Year Mortgage
Extended loan term spreading payments over 40 years for lower monthly obligations.
Close in LLC
Finance investment properties directly in the name of your LLC for liability protection and tax advantages.
Hard Money
Asset-based short-term loans for investors who need fast closings with minimal documentation.
Down Payment Assistance
Programs that provide grants or secondary financing to cover down payment and closing costs.
Bridge Loan
Short-term financing to bridge the gap between buying a new property and selling your current one.
Equipment Financing
Loans and leases to acquire business equipment and machinery without large upfront capital outlays.
SBA Loans
Small Business Administration-backed loans for business owners seeking real estate or working capital.
Full Time Farm Loans
Agricultural financing for full-time farming operations — land, equipment, and improvements.
Farm-Hobby / Rural Residential Loan
Financing for rural residential properties with small acreage or hobby farming features.
Multifamily Term Loans
Long-term financing for stabilized multifamily properties with fixed or adjustable rate options.