Loan Solutions
Loan Programs
From first-time buyers to experienced investors, we have flexible financing solutions tailored to your goals.
Traditional agency financing through Fannie Mae and Freddie Mac with competitive rates and flexible terms.
- Down payments as low as 3% for qualified primary residence purchases
- Credit scores starting at 620 (subject to underwriting and loan parameters)
- Available for primary residences, second homes, and investment properties
- Loan amounts up to conforming county limits
Ideal for first-time and repeat homebuyers seeking low down payment options and flexible credit guidelines.
- Down payments as low as 3.5% with qualifying credit
- Credit score requirements starting at 580 for standard FHA financing
- Gift funds allowed for down payment and closing costs
- FHA 203(k) renovation loan options available
Programs designed to help qualified borrowers with down payment and closing cost assistance.
- State and local programs may be available based on location
- Assistance may include grants or forgivable loan options
- May be combined with FHA, VA, USDA, and other eligible loan programs
- Many programs are designed for first-time homebuyers
Designed for self-employed borrowers who use alternative income documentation.
- Typically 12 or 24 months of bank statements used to calculate income
- Tax returns not required for income calculation
- Available for self-employed borrowers and business owners
- Flexible underwriting guidelines compared to traditional loan programs
Investment property financing primarily based on property cash flow rather than personal income.
- Personal income not used to qualify
- Qualification based on rental income or market rent analysis
- Designed for real estate investors
- Available for long-term and short-term rental properties, subject to program guidelines
Mortgage financing options for borrowers using an Individual Taxpayer Identification Number (ITIN).
- No Social Security Number required (alternative documentation used)
- Valid ITIN accepted
- Purchase and refinance options available
- Various eligible property types, subject to program guidelines
Mortgage financing options for non-U.S. citizens purchasing property in the United States.
- U.S. credit history not required (alternative credit evaluation used)
- Various visa types accepted, subject to program guidelines
- Investment properties and vacation homes eligible
- International income considered with required documentation
Specialized financing programs designed for real estate investors, including those with multiple properties.
- Portfolio loan options may be available
- Financing available for multiple investment properties
- Underwriting focused on property cash flow and investment performance
- Prior real estate investment experience may be preferred
Qualify by converting eligible assets into qualifying income rather than using traditional employment income.
- Eligible retirement accounts may be considered
- Eligible investment and liquid asset portfolios considered
- Employment income not required for qualification
- Well-suited for retirees and high-net-worth borrowers