BESPOKE LOAN PRODUCTS

Our bespoke lending products are convenient, sophisticated, and built as roadmaps to success. With concierge-level support and innovative options, we help you move confidently toward your goals.

We specialize in serving clients with non-traditional underwriting needs who are often overlooked by banks and conventional lenders. This includes entrepreneurs, business owners, 1099 earners, and individuals with unique income types or credit challenges. We also offer flexible solutions across FHA, VA, USDA, Conventional, and Jumbo loan programs.

Our offerings include:
• Down payment assistance with no income caps, for both first-time and repeat home buyers

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.

Handsome african businessman with laptop holding smartphone

Explore Your Loan Products:

Manual Underwriting: Personalized review and flexible loan qualifications on loans that receive "refer" or "approve/refer" status. We accept and review transferred loans in progress that were stalled from other lenders. Fast closing options when transferred.
First-time Homebuyer: Flexible loan options, including low down payment requirements and down payment & grant 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 credit sore of 550.
Conventional Loan Low down payment options starting at 3% down for first-time buyers. Options available for 5% - 20% down payment. Flexible financing for various needs.
Bank Statement Loan: 3 Month Bank Statement or 12 Month Bank Statement Loans based on income and asset documentation.
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
Commercial Loans: Business purpose financing for commercial properties. Loan amounts begin at $75,000. Options available for credit scores starting at 600.
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 first-time homebuyers and repeat homebuyers. Homebuyer Education Course required.
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.
Foreclosure Bailout Loans: Options to prevent or resolve foreclosure.
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.