LOAN PROGRAMS

As both a Direct Lender and Broker, we have access to all types of mortgage programs. Whether you’re a first time home buyer or seasoned investor, we can custom tailor a home loan to fit your needs

f

Stated / No Income

Learn More >

i

Bank Statements

Learn More >

n

Portfolio / Niche

Learn More >

9

Sub-Prime Lending

Learn More >

Conventional / Government

Learn More >

Private Money

Learn More >

N

Cannabis Conventional Loans

Learn More >

Why We’re Fit to close your Loan

Best of Both Worlds

As both a Banker AND a Broker, we are able to provide our clients the most options.

15 Years of Experience

We’ve lent borrowers over $800,000,000 in closed loans.

We Broker With Confidence

We are confident we’ll find you the best loan and close on time… every time.

Lender & Broker

As a direct lender and a broker, we have access to all types of mortgage programs.

Stated Income Program

These programs are the perfect choice for those borrowers who cannot verify their income the traditional way. Whether you’re self employed or a wage earner – you have the opportunity to get competitive rates without the need for tax returns. No 1040’s and No 4506’s. Ideal loan for the self-employed borrower!

Bank Statement Program

Similar to the Stated Income Program, the Bank Statement Program is also geared for the self-employed borrower, but with more leniency towards credit. You can get into a great loan with only a 620 FICO score! The income will be calculated by adding your deposits only from your most recent bank statements. As long as the DTI ratio is 50% or less, you should have no problem securing one of these hard to find loans!

Portfolio / Niche

Our Exclusive Portfolio loan Product is catered to those “Out of the Box” Loans that don’t quite fit the stringent underwriting parameters of institutional lenders. Each loan is manually underwritten in a way that allows for certain exceptions to be made – such as Non-Warrantable Condos, utilizing asset depletion as income, homes on over 10+ acres, etc. As long as the borrower can show an ability to pay, we can make almost any loan work!

Sub-Prime Lending

Just because you’ve fallen on hard times doesn’t mean you can’t get the right financing. Our exclusive Sub-Prime loan program gives home buyers & homeowners alike the fair chance to get the home loan they deserve. Past credit issues like foreclosures, bankruptcies and short sales are OK! No Reserve Requirements and 500+ minimum FICO’s are acceptable.

Conventional / FHA

A popular loan type for qualified borrowers, Conventional & FHA loans feature either a fixed or adjustable interest rate with very competitive loan terms. These loan options are ideal for home buyers with good credit and sufficient income & credit history. FHA loans have more flexible guidelines are are geared for the first time home buyer as they allow down payments as low as 3.5% and allow for higher debt-to-income ratios.

Private Money

Direct access to private funds for those deals that need to close fast – we can make this transaction quick & efficient for all parties involved. Whether you’re looking to purchase an investment property and close in less than 10 days or if you need capital for a fix & flip project – we can help you close… With rates starting as low as 6.99%

Cannabis Conventional Loans

It’s finally here! All cannabis-related employees can now qualify for conventional financing. As long as borrower is a straight W2 employee, and does not collect any 1099 income and doesn’t have any ownership in the company, you can qualify today! These are fannie-mae backed conventional loans – no points / no high cost – competitive rates & programs now available.

Consult With Us

We will only use your submitted information to contact you in regards to discussing loan programs with you. This is a no-obligation consultation over the phone. We will not share your personal information with any third party. ‘Nor solicit to you in any way.