We offer access to FHA (Federal Housing Administration) mortgage loans, a government-backed financing solution ideal for first-time homebuyers or individuals with limited credit history.

FHA loans are designed to make homeownership more accessible, with more flexible credit and income requirements than traditional loans.

Key Benefits of an FHA Loan:

• Down payments as low as 3.5% (with a credit score of 580 or higher)

• Approval possible with credit scores as low as 500 (10% down payment required)

• Lenient credit and income guidelines

• Competitive interest rates

• Option to roll closing costs into the loan

• Loan limits based on your local housing market

Who is it for?

Perfect for first-time homebuyers, or those looking to refinance with more flexible terms.

Conditions apply. Approval depends on credit history, income, and property eligibility. Contact us to find out if you qualify and to receive personalized guidance.

We proudly offer access to VA mortgage loans, a government-backed program created to help eligible veterans, active-duty military members, and certain surviving spouses purchase or refinance a home under favorable terms.

Guaranteed by the U.S. Department of Veterans Affairs (VA), this loan program provides powerful benefits to those who have served our country.

Who is eligible?

• Veterans

• Active-duty service members

• Members of the National Guard or Reserves

• Surviving spouses (under specific conditions)

To qualify, you must obtain a Certificate of Eligibility (COE) from the VA.

VA Loan Benefits:

• No down payment required (in most cases)

• No Private Mortgage Insurance (PMI)

• Competitive interest rates

• Flexible credit requirements

• Limited closing costs

• Support from the VA in case of financial hardship

Let us help you take advantage of this well-deserved benefit. Contact our team to check your eligibility and guide you through the process with expert support.

We offer Bank Statement Loans, a specialized financing option for self-employed individuals, business owners, and freelancers who may not meet the income documentation requirements of traditional loans.

Instead of tax returns, we evaluate your income based on 12 to 24 months of personal or business bank statements, providing a flexible way to prove your cash flow.

Who is this loan for?

• Self-employed professionals

• Small business owners

• Freelancers and independent contractors

• Anyone with non-traditional income sources

Eligible property types:

• Primary residences

• Second homes

• Investment properties

• Single-family homes

• Multi-family properties

• Condos and townhomes

Key Features:

• Income based on bank statement deposits

• No tax returns required

• Minimum credit score of 600 (higher scores may unlock better terms)

• Designed for borrowers with strong and consistent cash flow

This is a powerful option for those who earn well but may not show it traditionally on paper. Contact us today to see if a Bank Statement Loan is right for you.

We offer Jumbo Mortgage Loans for buyers looking to finance luxury homes or high-value properties that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA).

Because these loans are not eligible for purchase by Fannie Mae or Freddie Mac, they are designed for borrowers who meet stricter requirements.

Who qualifies for a Jumbo Loan?

• Borrowers with strong credit (typically 680 or higher)

• A low debt-to-income (DTI) ratio – generally under 43%

• Ability to make a large down payment (usually 10% to 20%)

• Sufficient and verifiable income to support the monthly payments

Benefits of a Jumbo Mortgage:

• Access to higher loan amounts for luxury properties

• Competitive interest rates for qualified buyers

• No need for multiple loans to cover the full purchase price

Eligible property types:

• Primary residences

• Second homes

• Investment properties

• Single-family homes

• Multi-family homes (up to 4 units)

• Condos and townhomes

Down payment requirements:

Typically between 10%–20%, depending on your credit score, loan amount, and property type.

If you’re ready to invest in a high-value property, let our team guide you through the jumbo loan process with personalized support.

We offer Commercial Mortgage Loans to help business owners and investors purchase, renovate, or develop commercial properties. These loans are tailored for real estate used in income-generating or operational business activities.

Unlike residential loans, commercial mortgages are usually secured by the commercial property itself and come with shorter terms and slightly higher interest rates.

Who qualifies for a commercial mortgage?

• Applicants with a strong personal or business credit profile

• Proven business income or property cash flow

• Ability to provide a 15%–30% down payment

• A business plan or project proposal for the property

Benefits of a Commercial Mortgage:

• Access to larger loan amounts for high-value real estate

• Flexible repayment terms to meet business goals

• Financing available for both purchase and renovation

• Ability to use property income to support loan qualification

Whether you’re expanding your business, investing in income properties, or starting a new project, our team can guide you through the commercial mortgage process with expert support.

We provide Fix & Flip Loans, a short-term financing solution created specifically for real estate investors looking to purchase, renovate, and resell properties for profit.

These loans cover both the property acquisition and the renovation costs, helping you complete your project efficiently and quickly.

Who is this loan for?

• Real estate investors (experience preferred, but not always required)

• Borrowers with a solid business plan or renovation proposal

• Projects with strong profit potential

Eligible properties include:

• Single-family homes

• Multi-family properties (up to 4 units)

• Condos and townhomes

• Distressed or undervalued properties

Key Features:

• Funding for up to 85% of the purchase price

• 100% of renovation costs (up to 70%–75% of After-Repair Value or ARV)

• Short-term loan (typically 6 to 18 months)

• Interest rates from 8% to 12%, based on experience and project details

• Down payment of 10%–20% typically required

Fix & Flip loans are ideal for those ready to move quickly and confidently in the real estate market. Let our team help you fund your next profitable project.