Our Loan Programs

 

Conventional Loans

A conventional mortgage is one of the most popular debt instruments available to buyers wishing to purchase a home. A conventional mortgage is a homebuyer’s loan that is not offered or secured by a government entity. This type of loan comes from a non-governmental lender.

 

  • HomeReady, HomePossible & HomeOne

    Design for first time home buyers​, minimum credit score 620​, income limit up to $58,160. HomeOne has no income limits

  • Conforming Conventional

    Accessible to anyone, 5% down payment​, no income limits​, minimum credit score 620​.

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Government Loans​

The Government loans are a type of mortgage loan insured by the Federal Housing Administration.

 

  • FHA Loans​

    This loans allow individuals who may not qualify for a conventional mortgage to get a loan. It requires 580 minimum credit score, if borrower put 10% down, the minimum credit score is 500.

  • USDA Loans​

    The U.S. Department of Agriculture (USDA) offers guaranteed home loans for low- or moderate-income individuals and families looking to purchase homes in rural areas of the United States. Zero down payment and 640 minimum credit score.

  • VA Loans

    This program was designed to help military veterans realize the American dream of home ownership. Zero down payment, no mortgage insurance and 600 minimum credit score.

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Non – QM Loans

A Non-QM loan, or a non-qualified mortgage, is a type of mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans.

 

  • Bank Statements

    Great for small business owners and entrepreneurs. This program allows to provide bank statements to qualify for a mortgage loan. 600 minimum credit score

  • Foreign Nationals

    This mortgage product is for foreign nationals wanting to purchase or refinance a home in the United States. 30% down payment

  • Cash Flow Investor / DSCR

    This program allows you to qualify based on rental analysis to determine property cash flow. No personal income is needed to qualify. 640 minimum credit score

  • P&L Loans

    This program uses a profit and loss report for income qualification purposes. Starting at 10% down payment​, 620 minimum credit score​.

  • ITIN Loans

    (ITIN) loans are for borrowers who do not have Social Security numbers. Borrowers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements.

  • 1099 Loans

    This is a great loan for a self-employed borrower who is a 1099 earner who cannot qualify for a full doc mortgage loan.

  • Construction and Renovations Loans

    This program allows you to finance the purchase of your new home, as well as the constructions or renovations that the property needs.

  • Commercial Loans

    This commercial loan is designed for multifamily, mixed-use, office space, light Industrial, mobile home parks, self-storage, warehouse, or retail space.

  • Fix and Flip Program

    A fix and flip loan is short-term financing that real estate investors use to buy and renovate a property in order to resell it for a profit,

  • 1 Year Tax Returns

    Only uses one year of income documents (both self-employed and salaried borrowers) for qualification. First-time Homebuyers Allowed.

  • Investor Solutions Program

    Investment loans are designed for people who want to buy real estate and earn rental income from that property.

  • Residential Land Lots

    Only for residential land lots. Allows the client to finance the purchase of a plot of land to build a home.

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HELOC and Refinances

We can help you refinance your home or get a HELOC (home equity line of credit)

Jumbo Loans

Jumbo mortgages are simply home loans that exceed the limits set by the Federal Housing Finance Agency (FHFA).