Home & Investment Property Lender

For Traditional Borrowers

30-Year Fixed Conforming

This is a home loan using plain vanilla documentation with loans at or less than conforming loan limits.

Benefits

  • W2s, Paystubs, tax returns
  • As little as 5% down payment or refinance
  • Qualify using traditional documentation
  • Ideal for well qualified salaried & self-employed borrowers

For Traditional Borrowers

15 Year Fixed Conforming

This is a conforming loan for borrowers who earn enough to make a higher payment and gain equity faster.

Benefits

  • W2s, Paystubs, tax returns
  • As little as 5% down payment or refinancing
  • Qualify using traditional documents
  • Ideal for well qualified salaried & self-employed borrowers who can afford a higher monthly payment

For Traditional Borrowers

Jumbo 15 or 30-year Fixed

This is a mortgage loan over the conforming limit for strong income borrowers and very good credit.

Benefits

  • W2s, Paystubs, tax returns
  • As little as 10% down payment with PMI or piggyback 2nd
  • Qualify using traditional documents
  • Ideal for well qualified salaried & self-employed borrowers

For Traditional Borrowers

30-Year Fixed FHA

This is a govt. loan using traditional documentation for 1-4 unit owner-occupied properties.

Benefits

  • W2s, Paystubs, tax returns
  • As little as 3.5% down payment or refinance
  • Qualify using traditional documentation
  • Ideal for qualified salaried & self-employed borrowers

For Traditional Borrowers

30 Year Fixed VA

This is a cgovernment loan for military members/veterans offering zero down with qualified income.

Benefits

  • W2s, Paystubs, tax returns
  • As little as 0 down payment or refinance
  • Qualify using traditional documents
  • Ideal for qualified salaried & self-employed borrowers who meet VA eligibility

For Self-Employed Borrowers

12-Month Bank Statement

This is a mortgage loan that allows borrowers to qualify using 12 months of bank statements.

Benefits

  • No tax returns
  • As little as 10% down payment
  • Qualify using 12 months of bank statements
  • Ideal for self-employed borrowers

For Self-Employed Borrowers

24-Month Bank Statements

This is a mortgage loan that allows borrowers to qualify using 24 months of bank statements.

Benefits

  • No tax returns
  • As little as 10% down payment
  • Qualify using 24 months of bank statements
  • Ideal for self-employed borrowers

For Self-Employed Borrowers

1 or 2 Year Profit & Loss

This is a non-QM loan that allows borrowers to qualify using a P&L statement.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify with 1-2 years of Profit & Loss statements
  • Ideal for self-employed borrowers

For Self-Employed Borrowers

1099 Statement

This is a non-Qm loan that allows self-employed borrowers to qualify using their 1099 and YTD checks.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify using 1 or 2 years of 1099 statements
  • Ideal for self-employed borrowers

For Self-Employed Borrowers

1 Year K-1 statement

This is a non-QM loan that allows borrowers to qualify using a K-1 statement.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify using 1 or 2 years of K-1 statements
  • Ideal for self-employed borrowers

For Investor Borrowers

12-or 24 Month Bank Statement Loan

This is a non-Qm mortgage that allows self-employed borrowers to qualify using 12 or 24 months of bank statements.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify using 12 or 24 months of bank statements
  • Ideal for self-employed borrowers

For Investor Borrowers

DSCR Loan

This is a non-QM no doc mortgage loan that allows borrowers to qualify using rental income 2-10 units.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify with lease/projected rents from the appraiser (homes, condos, 2 to 10 units
  • Ideal for real estate investors with experience

For Investors Borrowers

15 or 30-year Fixed

This is a mortgage loan that allows borrowers to qualify with traditional income.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify using 1 or 2 years of traditional documentation
  • Ideal for rental property borrowers with significant write-offs

For High DTI Borrowers

No Ratio Loan

This is a non-QM loan allowing borrowers to qualify with no employment, no personal income

Benefits

  • No tax returns
  • As little as 20% down payment
  • Qualify using down payment of 20-25%, 700 credit scores and 6-9 months of reserves
  • Ideal for borrowers with high debt ratios & reserves

For Short Term Borrowers

Bridge Loan

This is a 12-18 month short term ballon loan for borrowers using equity minus their exisitng loan

Benefits

  • Sell your home on your time
  • As little as 20% down payment
  • Qualify using home value - current loan, 700 credit & 12 months of reserves
  • High debt ratios do not matter. Ability to sell home is key

For High-Net Worth Borrowers

Asset Utilization Loans

This is a mortgage loan that allows borrowers to qualify without a job or personal income.

Benefits

  • No tax returns
  • As little as 15% down payment
  • Qualify using savings, IRA, 401(k), Brokerage accounts
  • Ideal for retired and high net worth borrowers

For Vacation Home Buyers

Non-Warrantable Condos

Non-QM loans to borrow on a non-warrantable condo or condo-tel in a vacation area.

Benefits

  • Tax returns or bank statements
  • As little as 25% down payment
  • Qualify with down payment of 25-30% down payment, 700 credit and 6 months reserves
  • Ideal for borrowers who like vacation properties

For Homeowner/Investors

Home Equity / HELOCs

Traditional and Non-QM equity loans including DSCR on homes or 2-4 multi-unit properties.

Benefits

  • Tax returns, W-2, bank statements, or P&L
  • Take out 80% of property value
  • Qualify using traditional or non-tradiional income, 700 credit scores and 3-6 months reserves
  • Ideal for primary home and rental properties