Loan Programs

Which Mortgage is Right for You?

There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.

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Mortgage Rate Options

Fixed Rate

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan's lifetime.

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Adjustable ARM

Adjustable-rate mortgages include interest payments which shift during the loan's term, depending on current market conditions. Typically, these loans carry a fixed-i...

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Interest Only

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specif...

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Graduated Payments

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and...

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Loan Program Options

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Conventional Loans

A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

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FHA Home Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

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Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in...

Alternative Documentation Program Options

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DSCR (No Tax Returns, No Personal income, No Employment)

The Rental Income-Based Investment Financing Solution is a cutting-edge loan program designed specifically for real estate investors seeking to finance rental or investment properties. This program centers around the Debt Service Coverage Ratio (DSCR), which evaluates the cash flow generated by the property relative to its debt obligations. It offers a flexible financing solution that prioritizes the income-producing potential of the property over the traditional borrower qualification criteria such as personal income or employment history. This approach enables investors to leverage their investments more effectively and expand their portfolios without the constraints of conventional lending standards.

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Bank Statement Loans (No Tax Returns, No P&L) 

Our 12-Month Bank Statement Loan Program is designed for self-employed individuals and small business owners who may not qualify for traditional mortgage loans due to the nature of their income documentation. This innovative program allows you to use your personal or business bank statements from the past 12 months as evidence of income, offering a flexible alternative to conventional loan qualification methods.

ITIN Loans for
non-U.S. Citizens

The ITIN Mortgage Financing Solution is designed to cater to the unique financial needs of non-U.S. citizens who possess an Individual Taxpayer Identification Number (ITIN) but do not have a Social Security Number (SSN). This program aims to facilitate homeownership among immigrants, providing a pathway to purchasing or refinancing a home within the United States. Understanding the challenges faced by ITIN holders in accessing traditional mortgage products, this program offers a flexible and inclusive alternative to help achieve their dreams of homeownership.

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Foreign National Loans -
Global Homeownership Initiative

The Global Homeownership Initiative is specifically designed to provide financing solutions for foreign nationals looking to purchase or refinance residential properties in the United States. Recognizing the complexities that non-U.S. citizens face when attempting to navigate the U.S. real estate market, this program offers a streamlined and accessible path to securing financing. Our goal is to bridge the gap in mortgage lending for foreign investors and residents, ensuring that owning property in the U.S. is a viable and straightforward option for individuals from around the globe.

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Commercial Loans -
Comprehensive Commercial Capital Solutions

The Comprehensive Commercial Capital Solutions program is designed to meet the diverse financing needs of businesses and real estate investors. Whether you're looking to expand your operations, acquire new properties, or refinance existing loans, our program offers a range of commercial lending options tailored to support your business goals. Our team of experts specializes in structuring financing solutions that are aligned with your project's specific requirements, ensuring flexibility, competitive rates, and a streamlined application process.

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P&L / 1099 Only Loans (No Tax Returns)

The Simplified Income Verification Loan Solution is tailored for self-employed individuals, freelancers, and independent contractors who may find it challenging to qualify for traditional loans due to the nature of their income documentation. By focusing on Profit and Loss (P&L) statements and/or 1099 forms only, this program streamlines the application process, offering a more accessible financing solution for personal or business needs. Our objective is to provide a flexible lending option that recognizes the value and reliability of non-traditional income documentation, enabling more borrowers to achieve their financial goals.

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Urban Growth Financing Solutions

The Urban Growth Financing Solutions program is specifically tailored to support the acquisition, development, and refinancing of mixed-use properties that blend residential, commercial, and sometimes industrial spaces within a single project. Recognizing the pivotal role mixed-use developments play in fostering vibrant, sustainable communities, this program aims to provide flexible, innovative financing options that align with the unique challenges and opportunities of mixed-use property investment. Our goal is to empower developers, investors, and business owners to contribute to the urban landscape's growth and diversification by facilitating easier access to capital for mixed-use projects.

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Multifamily Loans

The Comprehensive Multifamily Lending Initiative is designed to support investors and developers in the acquisition, renovation, and construction of multifamily residential properties. Recognizing the critical role multifamily properties play in meeting housing demands and contributing to community development, this program offers tailored financing solutions to promote sustainable growth and profitability in the multifamily sector. Our goal is to provide competitive, flexible financing options for projects ranging from small duplexes to large apartment complexes, catering to the diverse needs of the multifamily real estate market.

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