Tailored Loan Solutions

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 Graduate Loans: Tailored financing for recent graduates.  Options for a 2 year, 4 year, or trade school degree.
• CNA, HCA, LPN, RN: Tailored mortgage solutions designed for caregivers and frontline workers. Our options are structured to fit your unique income profile..
• 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.