Our Loan Programs

Fixed or adjustable rate mortgages (ARM) for primary residence, second home, or investment properties. As low as 3% down payment, loan amounts up to 3.5M, and loan terms of 10, 15, 20, 25, 30, or 40 years.

Government insured loans featuring zero or low down payment options and credit guidelines that are more flexible than conventional. Down payment assistance (DPA) available for qualified borrowers.

Have a low interest rate on your 1st mortgage? Don't refinance! Get a Home Equity Loan or Home Equity Line of Credit in as fast as 5 days! Qualify with standard income documents or bank statements for the self-employed.

Our favorite program! This Alt-Doc (Alternative Documentation) mortgage program gives us the flexibility to qualify self-employed borrowers with ANY of the following docs, and NO TAX RETURNS: Bank Statements (personal or business), 1099, or unaudited Profit & Loss statements (P&L).

Debt Service Coverage Ratio loans are available to experienced and first-time investors. Qualify based on the cash-flow of the rental property. There’s no income verification or DTI calculation. Available for purchase or refinance of short-term (AirBnB) or long-term rental properties.

Mission-driven no Debt-to-Income Ratio product to serve the nation's most diverse and underbanked borrowers. Available for purchase or refinance of a primary residence, with a minimum of 20% down payment.

Designed for borrowers who may not have a regular income but have significant liquid assets. Instead of relying on traditional income verification, we calculate a hypothetical income based on the borrower’s assets (like savings, investments, or retirement funds) to determine eligibility. This loan is often used by retirees, self-employed individuals, or high-net-worth borrowers. 

A sharia-compliant alternative to traditional home loans, designed for those who wish to avoid paying interest (riba). Instead of charging interest, we use the ethical financing structure known as "Ijara-wa-Iqtina". This model allows you to purchase a home while staying true to Islamic principles, with transparent terms and shared risk between you and the lender.

Short-term loans designed for investors who are looking to buy, renovate, and quickly resell properties for a profit. These loans offer fast funding (as little as 7 days) and are based on the property's after-repair value (ARV). Ideal for house flippers, fix and flip loans help cover the purchase price and renovation costs, with down payments as low as 10% and terms ranging from 6 to 18 months. 

Financing options that allow homeowners or buyers to fund home improvement or repair projects. These loans can be used to upgrade an existing home or renovate a newly purchased property. Renovation loans combine the cost of the home and the renovation into one loan, making it easier to manage and afford major updates or repairs.

Also known as "Construction to Permanent Loan", this specialized loan is used to finance the building of a new home or major renovation project. Funds are released in stages as construction progresses, and interest is only paid on the amount disbursed. Once the project is complete, the loan converts into a traditional mortgage.

Available to homeowners aged 62 or older that allows them to convert part of their home equity into cash without selling their home or making monthly payments. The loan is repaid when the homeowner sells the home, moves out, or passes away. Reverse mortgages are commonly used to supplement retirement income, with funds available as a lump sum, monthly payments, or line of credit.

Designed to help buyers purchase undeveloped land for future construction or investment. These loans can be used for residential, recreational, or agricultural lots. 

Designed for individuals who do not have a Social Security Number but have an Individual Taxpayer Identification Number (ITIN). These loans help non-U.S. citizens, including undocumented immigrants, purchase or refinance a home.

Designed for non-U.S. citizens who want to purchase property in the United States but do not have a Social Security Number or permanent residency. Foreign national loans make it possible for international buyers to invest in U.S. real estate with flexible qualification requirements.

Short-term financing solutions that help borrowers "bridge" the gap between purchasing a new property and selling an existing one. Bridge loans provide quick access to funds, allowing buyers to secure a new home before selling their current one. These loans are repaid once the existing property is sold.

Short-term real estate loans that are funded by our private investor partners. These loans are typically used by real estate investors for fix-and-flip projects, land purchases, or quick closings. Approval is based more on the value of the property than the borrower’s credit, and funding is fast, with flexible terms. Private money loans are ideal for borrowers who need speed and flexibility in competitive markets.

Designed for investors and businesses to purchase, refinance, or develop commercial properties such as office buildings, retail spaces, warehouses, or multifamily units. These loans are based on the property's income potential and the borrower’s business financials. Ideal for investors and business owners who are looking to grow their real estate portfolios or expand their operations.

Government-backed loans guaranteed by the U.S. Small Business Administration. Designed to support small businesses, SBA loans offer favorable terms, low down payments, and competitive interest rates. They can be used for various purposes, including purchasing real estate, equipment, inventory, or working capital. We offer both SBA 7(a) and SBA 504 loan programs, each tailored to different business needs.