Flexible Lending Programs Tailored to Your Needs
As an independent broker, we work with a wide network of lenders to match you with the right program — not the only one a bank has available.
FHA Loans
Advantages
Accepts lower down payments (3.5%) and credit scores (580+). Government-backed for added security. Ideal for first-time homebuyers.
Requirements
Minimum 580 credit score for 3.5% down. 500-579 requires 10% down. DTI typically under 55%. Primary residence only.
Conventional Loans
Advantages
Lower long-term costs by removing PMI once you reach 20% equity. Competitive rates for strong borrowers.
Requirements
Minimum 620 credit score. DTI of 45-50% or less. Down payments starting at 5%.
Jumbo Loans
Advantages
Finance higher-priced properties through a single loan. Exceed conventional loan limits.
Requirements
Strong credit profile. Down payment starting at 10-20%. Higher reserves required.
Self-Employed / Bank Statement
Advantages
Qualify with 12-24 months of bank statements or CPA-prepared P&L instead of tax returns. Flexible DTI.
Requirements
Typically 10-20% down. 2 years in business. Solid credit. Steady deposits over 12-24 months.
Investor Loans
Advantages
Financing for rental properties and investment portfolios. Buy up to 10 properties. No prepayment penalty.
Requirements
80% LTV for single family investment. 75% LTV for 2-4 family. Strong reserves.
HELOC
Advantages
Flexible access to home equity for renovations, investments, or expenses. Pay only on what you borrow.
Requirements
Sufficient home equity. Variable interest rate. Home used as collateral.
Non-QM / Alt Documentation
Advantages
Qualify using alternative documentation — bank statements, asset depletion, or P&L statements. For borrowers who don't fit the traditional lending box.
Requirements
Typically 20% down payment. Higher interest rate than conventional. Strong compensating factors.
VA Loans
Advantages
Zero down payment. No private mortgage insurance. Competitive rates backed by the Department of Veterans Affairs. 100% cash-out refinance available.
Requirements
Must be an eligible veteran, active-duty service member, or surviving spouse. Certificate of Eligibility (COE) required. Meets VA property standards.
USDA Loans
Advantages
Zero or very low down payment for eligible rural and suburban properties. Lower mortgage insurance costs than FHA. Competitive fixed rates.
Requirements
Property must be in a USDA-eligible area. Household income must not exceed 115% of the area median income. Primary residence only.