Loan Programs

Conventional loans are the most common type of mortgage, backed by Fannie Mae and Freddie Mac. They offer competitive interest rates, flexible terms, and the ability to remove private mortgage insurance (PMI) once you reach 20% equity in your home.

These loans are ideal for borrowers with good credit and a stable income. First-time homebuyers may qualify for low-down-payment conventional programs like HomeReady and Home Possible.

FHA loans are government-insured mortgages backed by the Federal Housing Administration. They're designed to make homeownership accessible to borrowers who may not qualify for conventional financing, including first-time buyers and those with lower credit scores.

With a low down payment requirement and flexible credit guidelines, FHA loans are one of the most popular paths to homeownership in America.

VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the Department of Veterans Affairs, these loans offer some of the most favorable terms available — including flexible down payment requirements and no monthly mortgage insurance.

If you've served our country, a VA loan is one of the most powerful tools available to help you achieve homeownership or refinance your existing mortgage.

USDA loans are backed by the U.S. Department of Agriculture and designed to promote homeownership in eligible rural and suburban areas by keeping upfront costs low.

Income limits apply, and the property must be located in a USDA-eligible area. Many suburban communities qualify, so don't assume your area isn't eligible without checking first.

Jumbo loans are designed for loan amounts that exceed the conforming loan limits set by the FHFA. If you're purchasing a higher-priced home, a jumbo loan provides the financing you need with competitive rates and flexible terms.

We work with multiple jumbo lenders to find the best pricing and structure for your situation, whether you prefer a fixed rate or an adjustable-rate mortgage (ARM).

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Instead of using your personal income to qualify, these loans are based on the rental income generated by the property. If the rent covers the mortgage payment, you can qualify.

This makes DSCR loans ideal for investors who want to scale their portfolio without the hassle of traditional income documentation.

Bank statement loans are designed for self-employed borrowers who may not show enough qualifying income on their tax returns due to business write-offs and deductions. Instead of tax returns, we use 12 to 24 months of personal or business bank statements to calculate your income.

If you're a business owner, freelancer, or independent contractor, this program can unlock mortgage financing that traditional loans can't.

Tap into your home's equity with a Home Equity Line of Credit (HELOC) or a Home Equity Loan (HELOAN). A HELOC gives you a revolving line of credit you can draw from as needed, while a HELOAN provides a lump sum with a fixed rate and fixed monthly payments.

Use your equity for home improvements, debt consolidation, education expenses, or any other major expense.

Whether you're purchasing, refinancing, or expanding a commercial property, we offer financing solutions for a wide range of commercial real estate types. From office buildings to retail centers, industrial warehouses to multifamily properties, we can help.

We also offer SBA loans for qualified small business owners looking to purchase or refinance owner-occupied commercial real estate.

Down payment assistance (DPA) programs help bridge the gap between what you've saved and what you need for a down payment and closing costs. These programs come in the form of grants, forgivable second mortgages, and low-interest loans.

DPA can often be combined with VA and USDA programs to reduce the cash you need at closing.

Don't let your current home hold you back from your next one. Buy Before You Sell programs let you purchase your new home first, then sell your existing home — eliminating the stress of contingent offers, double moves, and temporary housing.

This is a game-changer in competitive markets where sellers won't accept contingent offers.

Bridge loans provide short-term financing that "bridges" the gap between buying a new home and selling your current one. Blanket loans allow investors to finance multiple properties under a single loan, simplifying portfolio management.

These are powerful tools for both homeowners in transition and real estate investors scaling their portfolios.

Whether you're flipping houses, renovating a fixer-upper, or building from the ground up, we have financing solutions for every stage of the project. From hard money fix-and-flip loans to one-time-close construction loans, we can fund your vision.

Options include FHA 203(k) rehab loans, Fannie Mae HomeStyle renovation loans, and new construction financing with a single closing.

Homeownership shouldn't be limited by immigration status. We offer mortgage programs for ITIN holders, DACA recipients, non-resident aliens, and foreign nationals looking to purchase property in the United States.

These programs use alternative documentation to verify income and creditworthiness, opening the door to homeownership for borrowers who don't fit traditional lending criteria.

Not everyone fits the W-2 employee mold. We offer a full suite of alternative documentation loan programs for self-employed borrowers, independent contractors, gig workers, and high-net-worth individuals.

Whether you qualify best with 1099s, a profit & loss statement, verification of employment, or your liquid assets, we have a program that works for your situation.

A reverse mortgage allows homeowners aged 62 and older to convert part of their home equity into cash. No monthly mortgage payment is required as long as you live in the home and meet your loan obligations — you must still pay property taxes and homeowners insurance and maintain the home. The Home Equity Conversion Mortgage (HECM) is the FHA-insured reverse mortgage, while Non-QM reverse options offer additional flexibility.

Use the funds for retirement income, healthcare expenses, home improvements, or to pay off your existing mortgage.

Manufactured and mobile homes are an affordable path to homeownership, and we offer financing options specifically designed for these property types. Whether the home is on leased land, in a park, or on your own lot, we have programs that fit.

We also offer chattel loans for manufactured homes that are not permanently affixed to land.

Many lenders won't touch condos that don't meet Fannie Mae or Freddie Mac warrantability requirements — but we will. Whether it's a high investor concentration, pending litigation, or a new development, we have portfolio and Non-QM lenders that specialize in non-warrantable condos and co-ops.

Whether you're buying raw land to build on later, purchasing a farm or ranch, or investing in agricultural property, we offer land and farm financing solutions that most traditional lenders don't provide.

We specialize in finding solutions for borrowers who don't fit the traditional lending box. With access to over 260 wholesale lenders, chances are we have a program for your unique situation.

Sometimes you need financing that doesn't require collateral. Our unsecured loan options include personal loans, business term loans, and business lines of credit — all without pledging your home or other assets.

Whether you need to consolidate debt, fund a business expense, or cover a personal need, we can help you find the right unsecured financing solution.