Our Loan Programs
Explore our flexible loan options tailored to fit your needs. Whether you are a first time home buyer or seasoned investor, we offer competitive rates and easy repayment plans. Get the funds you need with a hassle-free application process!
- Conventional: 1-5% down, Jumbo
- Investor: Fix & Flip, DSCR, Hard money, private money
- Government: FHA, VA, Down payment assistance
- Non-QM: ITIN, DSCR, Stated income, Bank statement, P&L, VOE, 1099s
- HELOC / HELOAN: Second liens, full doc, alt doc
- Business Owner: Bank statement, P&L, VOE, 1099s
- Reverse Mortgages
Conventional Loans
Our 1% Down Loan program is designed to make homeownership even more accessible by allowing qualified buyers to purchase a home with as little as 1% down. This program is ideal for first-time buyers or those who want to preserve cash for other expenses while still securing a mortgage with competitive terms. With flexible credit requirements, low monthly payments, and lender contributions to boost equity, this loan offers an affordable path to homeownership. While private mortgage insurance (PMI) may be required, the ability to buy a home with minimal upfront costs makes this a great opportunity for budget-conscious buyers.
Our 3% Down Loan program is designed for homebuyers looking for an affordable path to homeownership with a minimal upfront investment. This option allows qualified buyers to purchase a home with as little as 3% down, making it ideal for first-time buyers and those with limited savings. Backed by conventional loan programs, this financing option offers competitive interest rates, flexible credit requirements, and lower monthly payments compared to FHA loans. While private mortgage insurance (PMI) is required, the lower down payment makes it easier to achieve homeownership without waiting years to save.
Our 5% Down Loan program is designed for homebuyers who want to purchase a home with a low down payment while still accessing competitive loan terms. This option allows qualified buyers to secure a mortgage with as little as 5% down, making homeownership more attainable without requiring a large upfront investment. With flexible credit requirements, conventional loan options, and competitive interest rates, this program is ideal for those who have strong financials but prefer to keep more cash on hand for savings or home improvements. While private mortgage insurance (PMI) may be required, this loan provides a cost-effective path to homeownership with a manageable down payment.
Our Jumbo Loan program is designed for homebuyers seeking financing beyond the conventional loan limits. Ideal for luxury homes and high-value properties, jumbo loans provide higher loan amounts without the restrictions of conforming loan limits set by Fannie Mae and Freddie Mac. With competitive interest rates, flexible down payment options, and tailored underwriting, this loan is perfect for buyers with strong credit and financial stability. While larger down payments and stricter qualification criteria may apply, a jumbo loan offers a seamless solution for financing upscale properties without needing multiple loans.
Investor Loans
Our Fix & Flip Loan program is designed for real estate investors looking to purchase, renovate, and quickly sell properties for profit. This short-term financing option provides fast funding, flexible terms, and asset-based approval, making it ideal for time-sensitive investment opportunities. With high loan-to-value (LTV) ratios, interest-only payment options, and minimal income documentation required, fix & flip loans offer the capital needed to acquire and improve properties without the delays of traditional lending. While interest rates and down payments may be higher, this loan enables investors to maximize returns and scale their real estate projects efficiently.
Our DSCR (Debt Service Coverage Ratio) Loan is a great financing option for real estate investors looking to qualify based on their property’s income potential rather than personal income. Instead of requiring tax returns or pay stubs, this loan evaluates the rental income of the property to determine eligibility, making it ideal for investors with multiple properties or non-traditional income sources. With competitive rates, flexible terms, and no personal income verification required, our DSCR Loan allows you to scale your real estate portfolio with ease. Whether you’re purchasing, refinancing, or expanding your investment holdings, this loan provides a straightforward and efficient solution.
Our Hard Money Loan program is designed for real estate investors and property buyers who need fast, asset-based financing without the strict requirements of traditional banks. These short-term loans are ideal for fix-and-flip projects, bridge financing, and investment properties, as approval is based primarily on the property’s value rather than the borrower’s credit or income. With quick closings, flexible terms, and minimal documentation, hard money loans provide immediate access to capital for time-sensitive opportunities. While interest rates and down payments may be higher, this option offers a fast, reliable solution for investors looking to maximize their real estate potential.
Our Private Money Loan program is designed for borrowers who need fast, flexible financing outside traditional lending guidelines. Ideal for real estate investors, house flippers, and those with unique financial situations, private money loans rely on asset value rather than strict income or credit requirements. With quick approvals, shorter terms, and customized loan structures, this option provides immediate access to capital when timing is critical. While interest rates and down payments may be higher, the streamlined process and fewer restrictions make private money loans a valuable solution for those looking to seize real estate opportunities without the hurdles of conventional lending.
Government Loans
Our FHA Loan program is designed to make homeownership more accessible, especially for first-time buyers and those with lower credit scores. Backed by the Federal Housing Administration, this loan offers flexible qualification requirements, lower down payments starting at just 3.5%, and competitive interest rates. With more lenient credit and income guidelines, FHA loans provide a great opportunity for buyers who may not meet conventional loan standards. While mortgage insurance is required, this option allows more individuals to achieve their homeownership goals with a lower financial barrier to entry.
Our Down Payment Assistance program is designed to help eligible homebuyers overcome the upfront cost of purchasing a home. Whether you’re a first-time buyer or facing financial barriers, this program provides grants, forgivable loans, or low-interest second mortgages to reduce or cover your down payment and closing costs. With flexible eligibility requirements based on income, location, and loan type, down payment assistance makes homeownership more attainable. While specific terms vary, this option allows buyers to secure a home with less out-of-pocket expense, making the dream of homeownership a reality sooner.
Our VA Loan program is exclusively designed for veterans, active-duty service members, and eligible surviving spouses, offering a path to homeownership with unmatched benefits. Backed by the Department of Veterans Affairs, this loan requires no down payment, features competitive interest rates, and eliminates the need for private mortgage insurance (PMI). With flexible credit and income requirements, VA loans make it easier for those who have served to secure a home. While a funding fee may apply, the overall savings and financial advantages make this an ideal option for those who have dedicated their service to our country.
Reverse Mortgage
Our Reverse Mortgage option is designed for homeowners aged 62 and older who want to access their home’s equity without the burden of monthly mortgage payments. This program allows you to convert a portion of your home’s value into tax-free funds while maintaining ownership and residency. Whether you need to supplement retirement income, cover medical expenses, or enhance your quality of life, a reverse mortgage offers financial flexibility tailored to your needs. While loan amounts are based on factors like home value, age, and interest rates, this option provides a secure way to leverage your investment without the immediate pressure of repayment.
Non - QM
Our ITIN Mortgage Loan is designed for individuals who do not have a Social Security Number but have an Individual Taxpayer Identification Number (ITIN). This loan offers a path to homeownership for non-U.S. citizens, self-employed workers, and others who may not qualify for traditional financing. With flexible qualification requirements, competitive rates, and down payments starting as low as 10%, this program makes it easier for ITIN holders to buy or refinance a home. Whether you’re a first-time buyer or looking for a better mortgage solution, our ITIN Loan can help you achieve your homeownership goals.
Our DSCR (Debt Service Coverage Ratio) Loan is a great financing option for real estate investors looking to qualify based on their property’s income potential rather than personal income. Instead of requiring tax returns or pay stubs, this loan evaluates the rental income of the property to determine eligibility, making it ideal for investors with multiple properties or non-traditional income sources. With competitive rates, flexible terms, and no personal income verification required, our DSCR Loan allows you to scale your real estate portfolio with ease. Whether you’re purchasing, refinancing, or expanding your investment holdings, this loan provides a straightforward and efficient solution.
Our Stated Income Loan is designed for self-employed individuals, business owners, and investors who may not have traditional income documentation but can demonstrate their ability to repay. Instead of requiring tax returns, W-2s, or pay stubs, this program allows borrowers to state their income while meeting other qualification criteria. With flexible terms, competitive rates, and down payments starting as low as 10%, this loan provides an alternative solution for those with strong financial profiles who need a simplified mortgage process. If you’re looking for a hassle-free way to secure financing, our Stated Income Loan can help you achieve your homeownership or investment goals.
Our Bank Statement Loan is the perfect solution for self-employed individuals, freelancers, and business owners who may not have traditional W-2 income. Instead of tax returns or pay stubs, we use 3, 12, 18, and 24 months of personal or business bank statements to verify income, making it easier to qualify. This program offers flexible terms, competitive rates, and down payments starting as low as 10%. While interest rates may be higher than conventional loans, this option is ideal for those who maximize tax write-offs but still have strong cash flow. If you need a mortgage that works with your unique financial situation, our Bank Statement Loan can help you achieve your homeownership goals.
Our P&L Statement Loan is designed for self-employed individuals and business owners who prefer to use a Profit & Loss statement instead of traditional income documentation. This loan allows borrowers to qualify based on their business’s financial performance, making it an excellent option for those with significant write-offs or fluctuating income. By providing a prepared or CPA-certified P&L statement, you can demonstrate your earnings without the need for tax returns or bank statements. With flexible terms, competitive rates, and down payments starting as low as 10%, this loan is a great solution for entrepreneurs looking to purchase or refinance a home while keeping their financial records simple and streamlined.
Our VOE (Verification of Employment) Loan is a great option for borrowers who want to qualify for a mortgage using only their employment history and income, without the need for tax returns or bank statements. This program is ideal for W-2 employees who have a steady job and can verify their income directly through their employer. With a simplified qualification process, flexible terms, and down payments starting as low as 10%, this loan offers a straightforward path to homeownership. If you have stable employment and are looking for an easy mortgage solution, our VOE Loan can help you secure the financing you need.
Our 1099 Mortgage Loan is designed specifically for self-employed individuals, freelancers, and independent contractors who may not have traditional W-2 income but still deserve access to homeownership. Instead of relying on tax returns or pay stubs, we use your 1099 income to help you qualify, making the process more flexible and tailored to your financial situation. With down payments starting as low as 10%, this loan provides a great opportunity to secure a home without the strict requirements of conventional loans. While interest rates may be slightly higher, the ability to qualify based on your actual earnings rather than tax deductions makes this an ideal option for independent earners looking to invest in their future.
Heloc & Heloan
Our Second Lien Loan is a great financing option for homeowners looking to access additional funds without refinancing their primary mortgage. Whether you need cash for home improvements, debt consolidation, investments, or other financial needs, a second lien allows you to tap into your home’s equity while keeping your existing loan intact. With flexible terms, competitive rates, and a straightforward qualification process, this loan provides a smart way to leverage your home’s value without disrupting your first mortgage. If you’re looking for additional funding while maintaining financial flexibility, our Second Lien Loan can help you achieve your goals.
Our Full Doc and Alt Doc Loan Options provide flexible solutions for a wide range of borrowers, whether you have traditional income documentation or need an alternative way to qualify.
Full Doc Loans follow conventional lending guidelines, requiring standard income verification such as W-2s, tax returns, and pay stubs. These loans typically offer the most competitive rates and terms for borrowers with steady, verifiable income.
Alt Doc Loans are designed for self-employed individuals, freelancers, and business owners who may not have traditional documentation but can verify income through bank statements, 1099s, P&L statements, or VOE. These loans provide a more flexible path to homeownership while considering alternative financial records.
Whether you qualify for a Full Doc or Alt Doc Loan, we have options to fit your unique financial situation and help you secure the financing you need.
Business Owner Loans
Our Bank Statement Loan is a great option for self-employed individuals, freelancers, and business owners who don’t have traditional W-2 income. Instead of requiring tax returns, we use 3, 12, 18, and 24 months of personal or business bank statements to determine your income, making it easier to qualify. This program offers flexible terms, competitive rates, and down payments starting as low as 10%. While interest rates may be higher than conventional loans, this option provides a valuable solution for those who write off expenses but still have strong cash flow. If you’re looking for a mortgage that works with your unique financial situation, our Bank Statement Loan can help you achieve your homeownership goals.
Our P&L Statement Loan is designed for self-employed individuals and business owners who prefer to use a Profit & Loss statement instead of traditional income documentation. This loan allows borrowers to qualify based on their business’s financial performance, making it an excellent option for those with significant write-offs or fluctuating income. By providing a prepared or CPA-certified P&L statement, you can demonstrate your earnings without the need for tax returns or bank statements. With flexible terms, competitive rates, and down payments starting as low as 10%, this loan is a great solution for entrepreneurs looking to purchase or refinance a home while keeping their financial records simple and streamlined.
Our VOE (Verification of Employment) Loan is a great option for borrowers who want to qualify for a mortgage using only their employment history and income, without the need for tax returns or bank statements. This program is ideal for W-2 employees who have a steady job and can verify their income directly through their employer. With a simplified qualification process, flexible terms, and down payments starting as low as 10%, this loan offers a straightforward path to homeownership. If you have stable employment and are looking for an easy mortgage solution, our VOE Loan can help you secure the financing you need.
Our 1099 Mortgage Loan is designed specifically for self-employed individuals, freelancers, and independent contractors who may not have traditional W-2 income but still deserve access to homeownership. Instead of relying on tax returns or pay stubs, we use your 1099 income to help you qualify, making the process more flexible and tailored to your financial situation. With down payments starting as low as 10%, this loan provides a great opportunity to secure a home without the strict requirements of conventional loans. While interest rates may be slightly higher, the ability to qualify based on your actual earnings rather than tax deductions makes this an ideal option for independent earners looking to invest in their future.
Your Step-by-Step Guide to Homeownership
From prequalification to closing, here’s what to expect during the mortgage process.
Step 1: Prequalification
The first step is getting prequalified, which gives you an estimate of how much you can borrow based on your income, credit, and debts. This is a quick process that often involves a soft credit check and does not require a commitment.
Step 2: Loan Application
Once you're ready to move forward, you'll complete a full loan application. You'll need to provide documents such as proof of income, bank statements, and employment history. This step helps determine the best loan program for your financial situation.
Step 3: Loan Processing
After submitting your application, the lender begins processing your loan. They will verify your documents, order a home appraisal to assess the property’s value, and ensure all initial requirements are met. You may be asked to provide additional paperwork during this stage.
Step 4: Underwriting
The underwriting team reviews all financial details, including your credit score, debt-to-income ratio, and overall financial stability. This is where the lender decides if your loan meets all requirements. Sometimes, additional conditions need to be met before full approval is granted.
Step 5: Loan Approval & Closing Disclosure
Once underwriting is complete, you'll receive final loan approval. The lender will provide a Closing Disclosure, which outlines the loan terms, monthly payment, and closing costs. You’ll have time to review this document before the final signing.
Step 6: Closing
At closing, you’ll sign all final loan documents and pay any remaining costs. The loan funds are disbursed, and the property title is officially transferred to you. Once everything is complete, you’ll receive the keys and officially become a homeowner!
Have Questions About a Loan? We're Here to Help!
Buying a home is a big step, and we know you may have questions. Whether you need help choosing the right loan, understanding the process, or gathering documents, our team is ready to assist you. Contact us today by phone, email, or live chat, and let’s make your homeownership journey smooth and stress-free!
Buying a home is a big step, and we know you may have questions. Contact us today by phone, email, or live chat, and let’s make your homeownership journey smooth and stress-free!
Frequently Asked Questions
We know the mortgage process can feel overwhelming, so we’ve answered some of the most common questions to help you navigate your home loan with confidence!
What credit score do I need to qualify?
Credit requirements vary by loan type, but most conventional loans require a 600+ score, while FHA loans allow for 500+ score.
How do I know which loan is right for me?
We’ll assess your income, credit score, and financial goals to recommend the best loan option.
How much do I need for a down payment?
It depends on the loan:
- VA Loans: 0% down
- FHA Loans: 3.5% down
- Conventional Loans: 3%-5% down (or more)
How long does the mortgage process take?
Depends on the loan, but pre-approval can speed up the process.
Can I get pre-approved before finding a home?
Yes! Pre-approval gives you a stronger offer when shopping for a home and shows sellers you’re a serious buyer.
What are closing costs?
Closing costs typically range from 2% to 5% of the loan amount and cover fees like appraisal, title insurance, and lender charges.
Do I need mortgage insurance?
- FHA loans require mortgage insurance (MIP).
- Conventional loans require private mortgage insurance (PMI) if you put down less than 20%.