Conventional/Jumbo

With loan options from $150,000 up to $3,000,000+, for borrowers with FICO scores of 620+, conventional loans offer a traditional lending solutions for homeowners. There are stricter guidelines for income, debt, credit, conventional loans are for borrowers with no recent bankruptcies or foreclosures and a strong credit history. For purchases, borrowers typically should be able to put at least 3-5% down. Self employed borrowers obtaining a conventional or jumbo mortgage, will need to show enough income on their most recent one to two years tax returns to qualify. Jumbo loans require two year employment/income verification, as well as a minimum 700 FICO score.

For more details click here, or Contact us today.

FHA/VA/USDA

Government loans provide additional solutions for borrowers. VA and USDA loans allow for 100% mortgage financing and FICO scores down to 580. FHA loans allow for FICO scores down to 500 (10% down on purchases for FICO scores below 580), with just 3.5% down. Borrowers with recent credit issues and/or higher debt ratios are a good fit for FHA loans. USDA loans are for properties not located in high density urban areas. If you want to know if the home you are interested in, qualifies for a USDA loan, call us at 833-639-6847

All govt lending options have funding fees, and there is mortgage insurance required on both FHA and USDA loans. VA loans never have mortgage insurance, and some veterans qualify for -0- funding fees. 

Contact us today to get your questions answered and learn more here about FHA Loans or VA Loans

Investor/No Doc/Self Employed/Bridge Financing

There are other options for borrowers whose personal situations fall outside of the traditional lending scope. We offer no income/asset doc loans for investors. You can qualify solely off the rental income on the property you are purchasing/refinancing. 

Self employed borrowers who write off the maximum expenses on their taxes, there are multiple options for you, including personal or business bank statements, 1099s, CPA letters, and more. IF you are self employed and not sure what type of financing you can qualify for, Contact Us today. We are specialists in non-agency options for self employed borrowers.

Ready to buy, but not quite ready to sell? Don’t qualify for both mortgages, and need equity from your current home, for the down payment on your new home? We can help! We offer creative financing options, including bridge financing for borrowers with equity in their current homes.

Contact us today for more information on non traditional (non-QM) loan options.

Not All Brokers Are Alike

There are many lending and broker options out there, but not all brokers are alike. We are highly experienced, who care for our clients, and getting them the best loan for their unique situation. Not only are we readily available to answer your questions, and guide you through the process, but because of our in depth underwriting knowledge and relationships with dozens of lenders, we can give you the confidence in knowing that not only will we get the best lender and program for your unique needs, but we will also work to get you the best rate available.

And when you receive a pre-qualification from us, you can be confident that we will get your loan funded!