Loan Programs That Fit Almost Every Scenario!

We pride ourselves in having a large investor pool that allows us to offer many loan programs to fit just about every scenario.  Whether you are buying your first home, refinancing, investing or fix and flip, or even looking for a commercial property for your business, we can help! 

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Conventional Loans

These are Typically 30 Year Fixed Mortgages that Require a Credit Score of 640 and a 3.5-5% down.

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Government Backed Loans

These Loans are typically Government Backed Loans that Include FHA, VA, and USDA with a 580-credit score.

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Fix and Flip

Fix and Flip Loans are typically short term loans that are 12-24 months in duration for rehab and resale

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Investment Loans

These loans are designed for investors who are looking to expand their portfolio and already own a primary residence

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Earned Equity Loans

Earned Equity Loans benefit people who would not nomrally be able to buy a home. These are easy to qualify for.

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ITIN Loans

These loans are designed for non US citizens who reside in the United States and would like to own a home.

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Frequently Asked Questions

How Do I Know If I Qualify?

The first thing we will need to confirm is your income and your credit score. These are the most important things we neded to confirm your eligibilty and decide which program is going to be the best for you.

Should I Consider a Government Program?

Conventional Vs Government Backed Loans is always something that borrowers initially navigate when buying their first home. any government backed loans have more stringent guidelines but are more favorable to borrowers who may not qualify for conventional loan.

What Happens at Closing?

When your loan closes, you will sign the final loan documents at the title company or via a mobile notary. You will be responsible for closing costs and any seller concessions will be paid to you. Your notary will review the fees and costs as well as title.

How Long Will It Take To Close My Loan?

We can close your loan in as little as ten days but we need your help. You must submit all your documets. They must be complete and we have to get the appraisal scheduled as soon as possible. As soon as we have the loan in underwriting the process usually takes 24-48 hours.

I've Never Owned a Home. What Other Expenses Are There?

You will need to get your home insured with a Homeowners Insurance Policy, and if your Loan to Home Value is Higher Than 80% you will also need Mortgage Insurance, which protects the lender in the event you default on the loan. FHA loans require MIP for the full duration of the loan. When you are provided with the Loan Estimate, you will get a chance to review all the costs, both one time and recurring.

How Much Home Can I Afford?

There are a couple of factors that come into consideration when you purchase a home. One of those is the Debt-to-Income Ratio. This is also known as DTI. The other measure is called LTV, or Loan to Value. DTI should never be higher than 46% Conventional and LTV can be as high as 96.5% on most programs.