LOAN Products

Residential
  • Conventional
  • Jumbo
  • FHA
  • VA
  • USDA
  • New Construction
  • Fix N Flips
  • DSCR- Debt Service Coverage Ratio (For investment properties. Rent must cover the PITI payment including HOA)
  • Reverse Mortgage (for purchase and refinance) A lot of people don’t know you can use it to buy a home
  • Piggyback 2nds (HELOC’s)
  • Stand Alone HELOC’s
  • NO RATIO LOANS: No income docs or employment info needed. 20% down, 680 FICO, no debt-to-income ratio calculations. Rates will be higher…in the 8’s at the time of the writing 1.20.26
  • Non-Warrantable condos
  • Bank Statement programs – lots of self-employed borrowers use this. We don’t use tax returns.
  • Foreign National Loans
  • Hard Money Loans- 12.5% rate/ 2.5% origination
  • Commercial Loans: Multi-family, Retail, Industrial
  • SBA: Great for business owners that occupy at least 51% of the space. 10% down, finance 90% of the closing costs. Can get funds to update the building & property IE: Repave the parking lot, new roof, marketing dollars IE: Grand Opening, etc.
  • Business lines of credit and term loans