Loan Products & Programs
We offer a full suite of Non-QM and alternative mortgage programs designed for borrowers who don't fit traditional lending boxes. Whether you're self-employed, an investor, or have unique income or property needs—we have a solution.
Our Programs
Explore our comprehensive range of alternative mortgage solutions tailored to your unique financial situation.
Bank Statement Loans
Perfect for self-employed borrowers who can't provide traditional income documentation.
Key Features
- 12 or 24-month bank statements
- No tax returns required
- Up to 90% LTV available
- Purchase or refinance
Ideal For
- Self-employed professionals
- Business owners
- Freelancers and contractors
- Commission-based income
DSCR (Debt Service Coverage Ratio)
Investment property loans qualified based on rental income, not personal income.
Key Features
- No income documentation
- Qualify by property cash flow
- Long-term and short-term rentals
- 1-4 unit properties
Ideal For
- Real estate investors
- Rental property owners
- Airbnb hosts
- Portfolio builders
Non-QM
Alternative documentation programs for unique financial situations.
Key Features
- Asset-based qualification
- Foreign national programs
- Recent credit events OK
- Flexible DTI ratios
Ideal For
- High net worth individuals
- International buyers
- Recent bankruptcy/foreclosure
- Complex income sources
Jumbo Loans
Financing for luxury properties and high-value home purchases.
Key Features
- Loan amounts up to $5M+
- Competitive rates
- Flexible down payments
- Strong credit rewarded
Ideal For
- Luxury home buyers
- High-income earners
- Second home purchases
Fix & Flip Loans
Short-term financing for real estate investors purchasing properties to renovate and sell.
Key Features
- Fast approval process
- Up to 90% of purchase
- Up to 100% of rehab costs
- 6-18 month terms
Ideal For
- House flippers
- Real estate developers
- Renovation specialists
Portfolio Loans
Blanket financing solutions for investors with multiple properties.
Key Features
- Finance multiple properties
- Streamlined process
- Cross-collateralization options
- Flexible structures
Ideal For
- Experienced investors
- Property portfolio holders
- Multi-unit owners
Government-Backed Loans
Traditional government loans that make buying or refinancing more accessible.
Key Features
- FHA, VA & USDA options
- Flexible credit guidelines
- Low down payment choices
- Fixed or ARM options
Ideal For
- First-time homebuyers
- Military families and veterans
- Rural area homebuyers
VA Loans
$0 down, low-cost home loans for eligible veterans, active duty, and surviving spouses.
Key Features
- 100% financing available
- No PMI required
- Competitive low rates
- Fast, streamlined closings
Ideal For
- Active duty military
- Veterans
- VA buyers wanting no PMI
FHA Loans
Flexible, low-down-payment loans with options to finance home repairs and upgrades.
Key Features
- Low down payment options
- Flexible credit guidelines
- FHA 203(k) rehab available
- Fixed and ARM choices
Ideal For
- First-time homebuyers
- Buyers with lower credit scores
- Homebuyers needing renovation financing
Conventional Loans
Traditional Fannie Mae and Freddie Mac loans with competitive rates and flexible terms.
Key Features
- Backed by Fannie/Freddie
- Conforming loan limits
- Fixed or ARM options
- Can cancel mortgage insurance
Ideal For
- Borrowers with good credit
- Primary, second, and investment
USDA Loans
$0 down loans for eligible rural areas, with options to finance home repairs.
Key Features
- 100% financing available
- USDA renovation options
- Income & area based
- Fixed-rate, low payments
Ideal For
- Rural and suburban homebuyers
- Moderate income families
Bridge Loans
Short-term financing that lets you buy your next home before selling your current one.
Key Features
- Short-term funding
- Use current home equity
- Stronger, non-contingent offers
- Flexible payoff at sale
Ideal For
- Move-up buyers
- Homeowners who found the next home first
New Construction Loans
Build your home with one loan and one closing. Conventional and VA buyers.
Key Features
- One-time close structure
- Conventional & VA options
- Interest only during build
- Lock rate before completion
Ideal For
- Custom home builders
- VA buyers building new
Cash-Out Refinance
Replace your mortgage and turn built-up equity into cash for bigger goals.
Key Features
- Access home equity as cash
- Consolidate higher-rate debt
- Fund projects or expenses
- One monthly payment
Ideal For
- Home renovations
- Debt consolidation
- Major life expenses
Rate & Term Refinance
Refinance to lower your payments, change your term, or switch from an ARM to fixed.
Key Features
- Lower rate potential
- Change loan term length
- Switch ARM to fixed
- No cash back required
Ideal For
- Homeowners seeking lower rates
- Those wanting to pay off sooner
VA IRRRL (Streamline)
Fast VA refinance that can lower your rate with minimal paperwork and often no appraisal.
Key Features
- For existing VA loans
- Often no appraisal needed
- Reduced documentation
- Quick, simple process
Ideal For
- VA borrowers with higher rates
- Veterans wanting lower payments
FHA Streamline Refinance
Easy refinance option for current FHA borrowers to lower their rate with less paperwork.
Key Features
- For existing FHA loans
- Often no appraisal required
- Minimal income docs
- Fast, streamlined approval
Ideal For
- FHA borrowers with higher rates
- Those wanting a simpler refinance
Ready to Explore Your Options?
Every borrower's situation is unique. Let us help you find the perfect loan program that fits your needs and goals.