Loan Programs
Loan programs for every kind of borrower.
Traditional loans for W-2 earners, and flexible options for self-employed borrowers, investors, and anyone whose income doesn't fit a bank's checklist.
Home Purchase
Conventional, jumbo, and government financing for your next home, with a pre-approval you can make offers with.
Good fit: Buyers moving up, relocating, or buying a second home
First-Time Buyers
Step-by-step guidance from pre-approval to keys, with low down payment options and help understanding every document.
Good fit: Renters ready to buy their first home
Refinance & Cash-Out
Lower your payment, change your term, or turn your home equity into cash for renovations, debt payoff, or your next investment.
Good fit: Homeowners and investors with equity
DSCR Loans
Qualify on the property's rental income instead of your personal tax returns. Available for single-family and 2-4 unit rentals, including LLC vesting.
Good fit: Real estate investors growing a portfolio
12-Month Bank Statement Program
Use 12 months of business or personal bank deposits to qualify, so write-offs on your tax returns don't hold you back.
Good fit: Business owners and 1099 earners
Profit & Loss Statement Program
Qualify with a profit and loss statement prepared by your CPA or tax preparer, with no tax returns required.
Good fit: Self-employed borrowers with strong businesses
Asset Depletion
Qualify using your savings, investments, or retirement accounts in place of traditional income.
Good fit: Retirees and borrowers with significant assets
FHA, VA & Conventional
Government-backed and conventional loans with flexible credit guidelines and lower down payment options.
Good fit: W-2 earners, veterans, and first-time buyers
Creative Solutions
Non-warrantable condos, unique income, recent credit events, or a deal other lenders turned down. These are the files I like most.
Good fit: Anyone told "no" by a bank
Program availability depends on credit, property type, and lender guidelines. Call to talk through your scenario.