Loan Programs

VA- Exclusively available to veterans, active-duty military members, and their families, VA loans offer zero down payment options, competitive interest rates, and no PMI. They’re an excellent benefit for those who have served. 

FHA- FHA loans are perfect for buyers with lower credit scores or limited savings for a down payment. Backed by the Federal Housing Administration, these loans allow for down payments as low as 3.5% and offer flexible qualifying criteria. 

Conventional- Conventional loans are ideal for buyers with solid credit and stable income. They typically offer competitive interest rates and flexible terms. With as little as 3% down, they’re a great choice for first-time buyers and those looking to avoid private mortgage insurance (PMI) with a 20% down payment. 

Down Payment Assistance Programs- are designed to help buyers overcome the hurdle of saving for a down payment. These programs offer grants, forgivable loans, or deferred payment options to eligible buyers, making homeownership more accessible. 

First Time Home Buyers- Buying your first home? Take advantage of special incentives, including a free appraisal to help lower upfront costs. These programs are designed to make your first home purchase more affordable and provide guidance throughout the process. 

Investment Properties- If you’re looking to expand your financial portfolio, investment property loans are tailored for purchasing rental properties or real estate investments. These loans often require a larger down payment and focus on the property’s income potential, making them ideal for savvy investors. 

Construction Loans- Construction loans provide financing for building a new home or renovating an existing property. These loans offer flexible draw schedules for construction phases and convert to permanent mortgages upon project completion. Perfect for creating a custom dream home! 

Non-QM - Non-QM loans cater to borrowers who may not meet traditional lending standards. They are ideal for self-employed individuals, investors, or those with unique income structures. These loans offer flexibility in qualification criteria while maintaining competitive rates. 

USDA - For buyers in rural or suburban areas, USDA loans offer zero down payment options and low interest rates. These loans are designed for moderate- to low-income buyers and are backed by the U.S. Department of Agriculture. 

Investment & No-Income Loans

Non-Owner No Income – Long Term

• No income verification required

• Available for first-time investors

• 7/6 & 10/6 ARMs, 30-year fixed options

• Up to 85% LTV on purchases, 80% on refinances

• Eligible properties: Up to 8-unit residential / 2-8-unit mixed-use

Non-Owner No Income – Short Term

• No income verification required

• 12-24 month term, ideal for short-term investments

• Available for first-time homebuyers & renters

• Up to 25-unit residential properties

DSCR Loan (Debt Service Coverage Ratio)

• Perfect for investors expanding their portfolios

• Loan amounts up to $4M, Min 620 FICO

• First-time investors & foreign nationals eligible

• Up to 80% LTV for purchases & refinances

• Covers 1-9 units, mixed-use, short-term rentals

Bridge Loan – Buy Before You Sell

• 0% bridge loan to help you purchase before selling your current home

• Available for Conventional, Non-QM, and Jumbo loans

Self-Employed & 1099 Borrowers

1099 Loan – No Business Expenses

• No expense factor applied, full-doc solution

• No minimum history required as a 1099 employee

• Ideal for W-2 employees who recently switched to 1099

1099 Loan – With Business Expenses

• Standard 10% expense factor applied

• Requires 2 years of self-employment history

Bank Statement Loan

• Min 600 FICO, up to 85% LTV

• 12-month personal or business bank statements accepted

• W2 income from a co-borrower can be included

• Available for ITIN borrowers with loan amounts up to $1M

Written Verification of Employment (WVOE)

• No W-2s or pay stubs required

• Allows variable income with only 6 months of overtime history

• Great for borrowers with unconventional income sources

Alternative Qualification Loans

Asset Utilization Loan – No Income Required

• Qualify based on liquid assets instead of income

• Assets divided over 60 months to determine eligibility

• No minimum asset requirement, up to 80% LTV

• Available for primary, second homes, and investment properties

No-Ratio Loan – No Income or Employment Stated

• Perfect for primary or second home buyers

• No income/employment required on the application

ATR Only (Ability to Repay)

• Qualify with 100% of assets post-closing

• No employment, income, or DTI required

Fix & Flip / Rehab Financing

Fix & Flip Loans

• Up to 90% LTV with 100% rehab financing

• Only 10% down required

Bridge Program

• Up to 90% LTV on purchase + renovation

• No DTI, W-2, or income docs required

• Loan amounts from $100K - $5M

Rehab Financing

• Up to 100% of rehab budget covered

• Max 70% After Repair Value (ARV)

• Interest charged only on drawn funds

Specialty Programs

Simply Solar Program

• Borrowers receive up to 3.5% (max $13,000) to apply toward down payment, closing costs, or debt

• Integrates solar costs into one loan for seamless financing

Foreign National DSCR Loan

• Designed for non-U.S. citizens investing in the U.S.

• Loan amounts up to $3M, up to 80% LTV