Loan Programs

Your financial needs are as unique as you are. That’s why we have a mortgage program for you.

Learn more about the different loan types we offer.  There may be many more loan types than you may have imagined.  

Explore Our Loan Products

INVESTOR LOANS

  • Very flexible loan programs
  • No Doc Options
  • Bank Statement 
  • 1099 Only
  • Cash Flow Only Loans (DSCR)
  • First Time Investors Welcom
  • Fix and Flip
  • Loan Term Hold
  • Short Term Rental (Airbnb, VRBO )

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CONVENTIONAL LOAN

  • As Low as 3% Down
  • Generally Better Credit Required
  • Loans Up to $647,000

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FHA

  • As low as 500 Credit Score
  • Lenient Credit Guidelines
  • Low Down Payment
  • Down Payment Assistance
  • No Credit Score Options

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VA

  • 100% Financing
  • Qualified Veterans Only
  • No Mortgage Insurance
  • Up to $4,000,000
  • Very Lenient Credit Guidelines
  • As low as 500 FICO Credit Score

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USDA

  • 100% Financing
  • Lower Interest Rates
  • Avaialbe to low-income borrowers
  • Must be in a rural area
  • Income limits apply

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Non-QM

  • Recent Bankruptcy or Foreclosure OK
  • Reduced Documentation
  • Bank Statement Only Program
  • No Doc Options
  • Gig Worker Program
  • 1099 Only Program
  • Gift Funds OK
  • Up to $4,000,000
  • Foreign Nationals Accepted

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Jumbo

  • Mortgages that exceed conforming loan amounts.
  • No mortgage Insurance
  • Down payments as low as 10%

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Reverse Mortgage

  • A mortgage for seniors that allows you to take out equity without making any monthly payments.
  • 62 or older
  • Primary residence only.

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Home Equity Loans

  • Tap into the equity of your home without losing the great rate on your primary
  • Close as fast as 5 days

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First Time Homebuyer Programs

  • Low down payments and down payment assistance available
  • Little or no new credit history OK
  • Gifts allowed
  • Co-Signers allowed

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Down Payment Assistance

  • Help with down payment available
  • Conventional or FHA allowed

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No Income needed.  No tax returns.  No Financials.  We qualify strictly off of the rental income of the property you want to purchase.