Conventional

1. Conforming fixed rate

15, 30, 40-year mortgage programs.
Interest rate remains fixed for the term of the loan term. Now offering 1-0, 2-1, and 3-2-1 temporary buy-down options, payable by either a third-party or the lender.  Customized loan term available for the borrower who desires a specific payoff target date.

2. Conforming adjustable rate

(ARM) 15, 30, 40-year mortgage programs.
3/1 5/1, 7/1,10/1 options available.  Interest rate remains fixed for 3, 5, 7, or 10 years then adjusts to market rates for the remainder of the loan term. Customized loan term available for the borrower who desires a specific payoff target date.

3. Conforming Specialty and Down-payment Assistance

Products with lower or no-money down-payment requirements and First-time Home-buyer programs.

4. Jumbo Mortgages

Loan amounts that exceed county specific conforming loan limits as designated by Fannie-Mae/Freddie-Mac. We offer jumbo financing options up to $10 million and with the highest loan-to-value ratios. Call us!

5. Non-QM (Alternative Documentation):

Specialty products for the borrower who cannot qualify with traditional loan products:

  •  Bank Statement Loan (12 and 24 month) – Qualifies the borrower from bank statement deposits.
  • Profit & Loss Statement Loan – A loan based on net business income as represented by a CPA (audited) review of borrower income and expenses.Asset Depletion Loan – Qualifies the borrower from savings in deposit accounts (eg. stocks, bonds,annuities)
  • Stated Income – Qualifies from borrower disclosed income on the mortgage loan application.
  • No Income Qualifying loans – No income documentation provided by borrower.
  • Debt-Service Coverage Ratio (DSCR) Loan (Investor loan). Borrower qualifies based on incomeearned by or projected income of the subject property.
  • ITIN loan – This product is uniquely suited for individuals who do not have a Social Security Number.  Using their taxpayer identification number, these individuals have a path toward homeownership as they can get a mortgage loan, provided they meet the standard credit and income requirements applicable to all borrowers. We offer products with the best financing options for this type of borrower.
  • Foreign National loan – A type of loan that helps noncitizens buy investment property in the United States. This loan has requirements (and interest rates) that slightly differ from standard conforming loans. The required down payment is typically 25% of the purchase price.

6. Construction

Traditional construction and construction-to-permanent financing options. Our process is free of red tape and we pride ourselves on providing competitive rates and exceptional service. We can typically have you making draws for construction in about 30 days, while most banks take 60 days or more to get the ball rolling

7. Second Mortgages/HELOC

We offer Stand-Alone and Home Equity Line of Credit second mortgages to 90% of your home’s appraised value.  We also offer second mortgage financing to borrowers with alternative (non-traditional) income sources of income.

8. Portfolio

These products are not constrained by the requirements of conventional mortgage.  They offer easier underwriting and more flexible terms than traditional loan products.

9. Hard Money

A variety of private money sources that offer short-term financing based on a borrower’s ability to repay.

10. Multi-Family (5+ units)

Competitive financing for your multi-family housing financing needs (to 50 units).  Call us for your unique property or financing scenarios.