Our Loan Programs

Conventional loans are the most common type of mortgage. They offer flexible terms (typically 15 or 30 years) and can have down payments as low as 3% for qualified first-time buyers. They are not backed by the government, meaning they often require strong credit profiles but offer highly competitive interest rates.

Backed by the Federal Housing Administration, FHA loans are designed to make homeownership more accessible. They offer lower minimum credit score requirements and down payments as low as 3.5%. This makes them an excellent choice for buyers who may not qualify for conventional financing.

A benefit earned by your service, VA loans are backed by the Department of Veterans Affairs. They offer incredible benefits including 0% down payment options, no private mortgage insurance (PMI), and competitive interest rates. We are proud to help our veterans achieve the dream of homeownership.

When you need to borrow more than the standard conforming loan limits set by the FHFA, a Jumbo loan is the solution. Perfect for luxury homes and competitive high-cost markets, these loans provide the significant financing you need with terms tailored to high-net-worth borrowers.

Perfect for entrepreneurs, freelancers, and business owners with complex tax structures. These loans allow you to qualify using 12 to 24 months of personal or business bank statements to prove cash flow, completely bypassing traditional W-2 or tax return requirements.

Ideal for growing your investment portfolio without the paperwork hassle. Qualification is based entirely on whether the rental income generated by the target property covers its monthly mortgage payment (debt service). No personal employment or personal income verification is required.

Designed for business owners who prefer not to provide extensive bank statements or tax documents. This program allows you to qualify using a year-to-date or 12-month Profit & Loss (P&L) statement prepared and signed by a certified public accountant (CPA) or licensed tax professional.

Convert your wealth into a qualifying income stream. Instead of looking at monthly paystubs, this program calculates an implied monthly income based on your total qualified liquid assets (stocks, bonds, retirement accounts, or cash savings) to verify your ability to repay.

Tailored for international buyers who lack standard U.S. credit history or domestic tax documentation. This program allows foreign citizens to secure financing for U.S. real estate investments using alternative credit references and asset verification.

Leverage your home’s built-in value to fund major expenses like home renovations, debt consolidation, or investment opportunities. A HELOC functions as a revolving line of credit with a flexible draw period, allowing you to borrow only what you need, when you need it, and pay interest only on the amount you use.

Fix and flip loans are short-term financing options specifically designed for real estate investors. These loans cover both the purchase price and renovation costs, allowing you to rehab the property and sell it for a profit without tying up all of your personal capital.