BESPOKE LOAN PRODUCTS
Our bespoke mortgage loans are convenient, sophisticated, and built as roadmaps to your success. With concierge-level support and innovative options, we help you move confidently toward your goals.
In addition to traditional mortgage loan options, we specialize in serving clients who require non-traditional loan solutions - many who are often overlooked by conventional lending sources. This includes: entrepreneurs, business owners, credit re-building clients, 1099 earners, gig-workers, and individuals with non-traditional W-2 income structures. We also offer very flexible solutions across FHA, VA, USDA, Conventional, Non-QM, and Jumbo loan programs.
Our offerings include:
• Down payment assistance with no income caps, even if you currently or perviously owned a home.
Whether you're financing a primary residence, investment property, or commercial space, our tailored solutions are designed to support your journey.
Let us help turn your real estate goals into a lifestyle you love.
Explore Your Loan Products:
- Manual Underwriting: Personalized review and flexible loan qualifications on many loans that receive "refer" or "approve/refer" status. We accept and review transferred loans in progress that were stalled from other lenders, with options to close as quickly as 9 days.
- Jobs with non-traditional income structure: We specialize in are experienced in dealing with variable incomes and non-traditional employment histories common among industries, such as: Truck Drivers, Travel Nurses, Adjunct professors, Real Estate Agents, Real Estate Brokers, and many jobs classified as Gig Workers.
- First-time Homebuyer: Flexible loan options, including low down payment requirements and down payment assistance
- Jumbo Loans up to 5 Million: Flexible high-value financing. Lower fico options available.
- Non-QM Loans: Innovative solutions for unique financial situations or specialty properties
- College Grad Loans: Tailored financing for recent graduates. Options for a 2 year, 4 year, or trade school degree.
- FHA: Government-insured loans with very flexible credit requirements
- VA: Exclusive benefits for veterans and military personnel. Purchase and Refinance options require a minimum 500 credit score.
- Conventional Loans Options are available for Fannie Mae, Freddie Mac, Home Ready, or Home Possible. Flexible financing options, minimun 620 credit score. Down payment options for 3%, 5%, 10%, or 20%. LIMITED SPECIAL CURRENTLY AVAILABLE - ONLY 1% DOWN PAYMENT (terms apply).
- Bank Statement Loan: 3 Month Bank Statement or 12 Month Bank Statement Loans used to qualify income. Options starting at 10% down payment.
- P & L Loans: P&L (Profit & Loss) statements accepted from entrepreneurs and business owners.
- Refinancing: Restructure into a fixed interest rate, or reduce your loan term, or reduce your rate
- Cash-Out Refinance (Up to 90% LTV): Tap into your home's equity and take cash out
- Home Loans for Bad Credit: While securing a mortgage with bad credit can be challenging, it is not impossible. We provide options and strategies to help our clients with less-than-perfect credit qualify for a home loan.
- Commercial Loans: Business purpose financing for commercial properties. Loan amounts begin at $75,000. Options for 600 minimum credit score.
- DSCR: Debt Service Coverage Ratio loans to purchase or refinance investment properties - no income verification, occupancy not mandatory. Options begin at 600 credit score. Also, options are available with only 10% down.
- Down Payment Assistance: Options for both first-time homebuyers and current or repeat homebuyers. Homebuyer Education Course required. Options for Conventional or FHA loans.
- Investment Property Loans: Finance rental properties and vacation homes
- Mobile Home Loans: Financing available for pre-1976 homes; options available for units moved prior
- Non-Warrantable Condos: No condo questionnaire needed for approval.
- Vacant Land Loans: 65% LTV with bank statement or P&L options.
- Barndominium Loans: Financing up to 75% LTV for barndominiums.
- Mid Rehab/Construction Loans: Flexible financing for ongoing projects.
- Mixed-Use Properties: Properties with both commercial and Residential spaces
- HELOC (Home Equity Line of Credit): Tap into your home's equity when without refinancing. Lower fico options and smaller loan amounts available. Stand alone 2nd HELOC's available.
