Tailored Financing Solutions for Homeownership Dreams

  • Conventional (Fannie Mae/Freddie Mac) - for those with average to excellent credit and full documentation

  • FHA - for those with marginal to excellent credit and full documentation, does have mortgage insurance for just about all loan-to-values

  • VA - for our honored veterans and those in active duty; can have less-than-perfect credit to excellent credit; requires full documentation, allows for up to 100% loan-to-value (no money own) even on cash out refinance and never has monthly mortgage insurance!

  • USDA - for those with low to moderate income and property must be in approved “Rural” area, 96% of America qualifies as “Rural”; allows for 100% loan-to-value (no money down)

  • Non-QM - for those with hard-to-prove income that cannot supply full documentation the following income calculations/documents may be used to qualify: the DSCR calculation, bank statements (12 or 24 months), Accountant’s (CPA) P&L statement or 1099’s; allows for less-than-perfect credit in some cases up to excellent credit; non-warrantable condos, mixed-use properties, more than 4-units, unique properties, etc.; does require more down payment/equity than other products

  • Reverse or HECM - For our seniors with about 50% equity or more, this is a home loan that has made making a monthly payment optional! The usual principal and interest part of the total monthly housing obligation is optional; however, property taxes and homeowner’s insurance remain the responsibility of the homeowner.

  • The HECM can pay off an existing forward first mortgage and allow for a growing line of credit, lump sum payment, or guaranteed monthly payments for a fixed period or life. Let the old perceptions of the reverse mortgage product fade away—the HECM is government FHA-insured, so it’s safe!

  • We also have a proprietary product for non-FHA approved condos, making it even easier to find the right product. So, remember, it’s just like having any mortgage on your home, only payments are optional!

    We also broker JUMBO, hard-to-place loans, hard money, commercial property loans, manufactured homes (single and multi-wide, chattel) and more!