OUR LOAN PRODUCTS
We offer a comprehensive loan product platform designed to serve a wide variety of borrowers and financial goals. Whether you're buying your first home, investing in real estate, or looking for flexible financing options, our diverse loan programs provide the right solution for your unique situation. Whatever your lending needs, our team is here to guide you through the process and help you find the right program to achieve your financial goals. Contact us today to learn more or get pre-qualified.
NON-QM / ALT-DOC (Alternative Documentation)
Bank Statement - Ideal solution for self employed or unconventional financial situations. Borrower's income qualification is based on 12 to 24 months of qualified deposits documented with business or personal bank statements; no W-2s or tax returns required.
1099 Only - Perfect for borrowers that are paid or collect payments as a sole proprietor or an independent contractor. This program calculates income based on the 1099 giving the borrower the opportunity to secure financing based on their gross income versus their net income.
DSCR (Investor Cash Flow) Loan - Can help build your rental property portfolio. Qualification is based on the income to be generated by the subject property. No W-2s or tax returns needed.
Asset Qualifier Loan - Use liquid assets in a savings or securities account in place of tax returns or traditional income documentation. Purchase a home using assets as income qualification rather than tying them up with a cash purchase.
HOME EQUITY CONVERSION MORTGAGES
A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is a Federal Housing Administration (FHA) insured loan which enables you to access a portion of your home’s equity to obtain tax-free funds without having to make monthly mortgage payments. Available for seniors with sufficient equity in their homes.
HECM REFINANCE
Seniors with sufficient home equity may be able to get the cash they need to:
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Pay off existing mortgage
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Continue to live in their home and maintain the title
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Pay off debts
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Improve monthly cash flow
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Fund home repairs / renovations
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Build a “safety net” for unplanned expenses
HOME EQUITY PURCHASE
Seniors can purchase a home that meets the equity requirements and not have a mortgage. Must be a primary residence occupied within 60 days of closing
Construction & Renovation Loans:
Build or Transform Your Dream Home
We offer specialized loan programs that support both new home construction and renovation projects. Whether you’re starting from the ground up or breathing new life into an existing property, we have flexible solutions to fund your vision.
New Home Construction Loans
Our New Home Construction Loans provide financing throughout the building process and can be tailored for individual homebuyers, custom builders, or owner-builders. These loans typically offer:
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One-Time or Two-Time Close Options - Choose between a single-close loan that automatically converts to a permanent mortgage upon completion, or a two-time close loan with separate construction and permanent financing.
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Interest-Only During Construction - Pay interest only on the funds disbursed during construction, helping manage cash flow while building.
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Flexible Draw Schedules - Funds are released in stages (draws) based on construction milestones and progress inspections.
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Lot Financing Options - Bundle land and construction costs into one convenient loan.
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Conventional, FHA, and VA Construction Loan Options - Programs are available for a range of borrowers, including first-time homebuyers and veterans.
Home Renovation Loans
Our Home Renovation Loans are perfect for buyers or homeowners looking to improve or modernize a property—whether it’s updating a kitchen, adding a room, or making repairs. Options include:
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FHA 203(k) Loans - Combine the purchase and renovation costs into one FHA-insured loan. Great for buyers purchasing fixer-uppers.
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Fannie Mae HomeStyle® Renovation Loans - Offers flexibility for a wide variety of home improvements, including luxury upgrades. Available for primary residences, second homes, and investment properties.
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VA Renovation Loans - Designed for eligible veterans, this program allows home improvements to be financed with a VA loan.
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Construction-to-Perm Renovation Loans - Bundle the cost of renovations and mortgage into a single loan that converts to a long-term mortgage when the project is complete.
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Investor-Friendly Renovation Financing - Options available for property flippers and real estate investors seeking to update and resell or rent.
