Loans Options
The key to our success has been a combination of consistently offering the lowest possible rates and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity.
We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes.
Non–QM Loans
Down Payment Assistance
Down payment assistance is a loan program that rewards buyers who have high credit.
Cash Out Refinance
A cash out refinance can help you restructure your home loan and take advantage of the equity.
Bank Statement Program
A bank statement program helps you qualify for a home using only your bank statements!
Niche Occupation Program
School Staff, Police Officers, HealthCare Workers & other first responders.
DSCR Investment Loan
The DSCR or debt service coverage ratio is the relationship of a property’s annual net operating income.
P&L Loan
A Profit and Loss (P&L) statement can be presented to qualify your borrower based upon their business income rather than personal earnings.
Closed-End Second Mortgage
Offer your borrowers the option to tap into the equity of their home, enabling them to cover significant expenses.
Asset Utilization
Ideal for retired individuals, investors, and entrepreneurs. Use Liquid Assets to Qualify your borrower for a home loan.
iTIN
No SSN#? No problem! Designed for those who have both an individual tax identification number (ITIN) and an established credit history.
Full Doc
Ideal for those who do not qualify for a traditional mortgage. Available for wage earners and self-employed borrowers with income to support a conventional loan but are unable to qualify.
1099 Loan
Tailored to meet the unique needs of your borrowers who are classified as independent contractors and gig workers by using a 12 month total average to determine qualifying income.
iTIN Close Call
No credit score? No problem! Open up the opportunity for non-U.S. citizens to become homeowners broadening the market by boasting
Purchase
Adjustable Rate Mortgage
Interest Rate and payments remain the same for the entire term of the loan.
FHA
An FHA loan provides a government-insured loan with flexible loan options.
VA
VA Loans offer flexible options as either fixed-rate or ARM mortgages.
Rehab Loan
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage.
USDA
Purchase a home with no money down in certain rural and suburban areas.
Jumbo
Jumbo loans offer maximum flexibility for home financing for larger loans.
30-Year Fixed Rate
Get a FREE quote on a 30-year fixed rate mortgage & save thousands of dollars per year.
15-Year Fixed Rate
Get a FREE quote on a 15-year fixed rate mortgage & save thousands of dollars per year.
Investment Property
Mortgage loan programs for vacation and investment properties.
Refinance
Second Mortgage
Home equity loan
In a standard home equity loan, you borrow a certain amount of money and pay it back over a predetermined time, often 5-15 years.
Home equity line of credit (HELOC)
It’s like a credit card secured by your home equity; in fact, lenders will often give you a card to use for drawing funds.
Interest-only second mortgages
Homeowners who are looking for a short-term infusion of money might consider an interest-only second mortgage in the form of a home equity line of credit (HELOC).
