FOR EVERYONE

We offer a wide range of financing solutions—from home loans (Conventional, FHA, VA, USDA, 203k) to investment and commercial programs (DSCR, BRRR, multi-family, jumbo, bank statement) and refinance options to lower payments or access equity. Whatever your goal, we deliver great rates, flexible programs, and a smooth lending experience.

AGENCY LOANS (Government Sponsored Agencies)

FHA

Benefits:

  • Low down payment options (as little as 3.5%)
  • Flexible credit requirements
  • Competitive interest rates
  • Great for first-time buyers
  • Can roll some closing costs into the loan

VA (Veterans)

Benefits:

  • No down payment required for eligible borrowers
  • No private mortgage insurance (PMI)
  • Competitive, low interest rates
  • Flexible credit and income requirements
  • Exclusive benefit for veterans, active-duty service members, and eligible spouses

USDA

Benefits:

  • No down payment required
  • Reduced mortgage insurance costs
  • Competitive fixed interest rates
  • Flexible credit guidelines
  • Available for eligible rural and suburban properties

203K (Renovation)

Benefits:

  • Finance the purchase and renovation in one mortgage
  • Low down payment options (as little as 3.5%)
  • Available for first-time and repeat buyers
  • Covers a wide range of repairs and improvements
  • Backed by the FHA with flexible credit requirements

HELOC 

Benefits:

  • Access funds using your home’s equity
  • Flexible, revolving credit line
  • Pay interest only on what you use
  • Can be used for renovations, debt consolidation, or major expenses
  • Reuse available credit as you pay down the balance

NON-AGENCY LOANS

JUMBO AUS

Benefits:

  • Financing for high-value properties beyond conventional limits
  • Available as Automated Underwriting System (AUS) or adjustable-rate mortgages (ARM)
  • Competitive interest rates for qualified borrowers
  • Flexible loan terms and options
  • Ideal for primary residences, second homes, or investment properties

JUMBO ARM

Benefits:

  • Adjustable-rate mortgages for high-value properties
  • Lower initial interest rates compared to fixed-rate jumbo loans
  • Flexible loan terms to suit your financial strategy
  • Ideal for primary residences, second homes, or investment properties
  • Financing beyond conventional loan limits

DSCR

Benefits:

  • Designed for real estate investors and rental property owners
  • Approves loans based on property cash flow, not personal income
  • Flexible financing for single-family or multi-family investment properties
  • Ideal for building or expanding a rental portfolio
  • Streamlined process for faster approvals

FIXED 2nd (Primary/Investment)

Benefits:

  • Available for both primary residences and investment properties
  • Predictable, fixed interest rates for consistent payments
  • Can be used for home improvements, debt consolidation, or additional property investment
  • Flexible loan amounts based on equity and property type
  • Ideal for borrowers seeking stability and long-term planning

5-8 UNIT OWNER OCCUPIED

Benefits:

  • Financing for borrowers living in multi-unit properties (5–8 units)
  • Owner-occupancy requirement ensures personal use of one unit
  • Ideal for investors who want to live on-site while generating rental income
  • Competitive rates and flexible terms for qualifying borrowers
  • Helps build long-term wealth through multi-family property ownership

BRRR (Buy, Rehab, Refi, Repeat)

Benefits:

  • Designed for real estate investors looking to scale their portfolio
  • Finance property purchase and renovation in one loan
  • Supports rental income strategy to pay down debt and build equity
  • Ideal for rehabbing, renting, and repeating the process
  • Flexible terms for both single-family and multi-family properties

SMALL BALANCE MIXED USE

Benefits:

  • Financing for properties with both residential and commercial units
  • Loan amounts typically smaller than traditional commercial mortgages
  • Flexible terms for owner-occupied or investment properties
  • Streamlined approval process for faster funding
  • Ideal for small investors or business owners expanding real estate holdings

SCRATCH AND DENT

Benefits:

  • Designed for borrowers with unique or non-traditional credit situations
  • Flexible underwriting to accommodate past financial challenges
  • Available for primary residences, investment, or refinance scenarios
  • Helps qualified borrowers access financing they might not get elsewhere
  • Provides a path to homeownership or property investment despite past setbacks

 

With our extensive experience and long-standing industry relationships, we’re able to find the right mortgage program tailored to your unique situation.

"I can't say enough about the outstanding service I received from your company. Their team went above and beyond to meet our needs and exceeded our expectations."

Oliver Hartman