FHA High Balance Loan Program
FHA High Balance loan is designed for those looking to purchase a home in an expensive area. The Federal Housing Finance Agency (FHFA) increases loan limits in these locations, allowing homebuyers to borrow more for their dream home.
FHA Standard Loan Program
FHA loan is government-backed mortgage designed to help low- to moderate-income borrowers achieve homeownership. With a less stringent credit score and down payment requirements than traditional loans, FHA Standard Loan is ideal for first-time homebuyers.
Conventional Standard Loan Program
Conventional loans are fully compliant with Fannie Mae and Freddie Mac guidelines. A Conventional Standard program is a traditional mortgage option with competitive rates and flexible down payments starting at 3%. The program is designed for creditworthy homebuyers looking for a straightforward path to homeownership.
Full Doc Non-QM Loan Program
Our Full Doc Non-QM loans are a perfect solution for small business owners, investors, or other self-employed individuals who believe they may not qualify for a traditional agency loan.
WVOE Loan Program
The WVOE program is a unique category of mortgage solutions that differs from Conventional or Government financing options. This program verifies income through a Written Employer Verification (WVOE) form completed by a borrower’s current employer, rather than relying on tax returns. The program provides innovative solutions for borrowers who lack traditional tax returns or W-2s, have complex financial profiles, or have difficulty qualifying for Conventional mortgages.
1099 Loan Program
Our 1099 loan is a solution for self-employed and contract borrowers that allows them to use their 1099 forms to report various types of non-employment income received during the tax year.
P&L Loan Program
Our Non-QM 1-year and 2-year P&L loans are designed for self-employed individuals. These loans allow borrowers to use their business’s Profit & Loss (P&L) statements to qualify, bypassing traditional income verification.
ITIN mortgage loan program
Our ITIN mortgage loan program is a mortgage solution for individuals who have an Individual Taxpayer Identification Number but do not have a Social Security Number. With this program, you can grow your business by making homeownership a reality for non-U.S. citizens.
Bank Statement Loan Program
Our 12/24 Month Bank Statement loan is a perfect Non-QM option for the self-employed. Even if complex tax deductions make their tax returns less than straightforward, this program can provide a clearer picture of their current income or revenue to help them qualify.
DSCR Loan Program
Our DSCR loan program is specifically designed to assist new and experienced real estate investors in financing their properties, qualifying based on the cash flow generated by the investment.