More Loan Options
We can accommodate for many different loan scenarios to make it easier for you to be approved for a loan.
Efficient Processing
Having many years of combined experience, we have perfected the process of qualifying for loans.
Reliable Team
With a more reliable team by your side, we have the right knowledge on underwriting guidelines & loan programs.
Available Loan Programs
We have plenty of different loan programs!
- Conventional Loans
- FHA Loan Programs
- VOE (Verification of Employment) Loans
- Bank Statement Loans
- HELOC / HELOAN Programs
- Profit & Loss Only Loans
- Foreign National Loan Programs
- 1099-Only Income Programs
- Asset Utilization Programs
- CalHFA Down Payment Assistance (DPA)
- ITIN Borrower Loan Programs
- Bridge & Fix-and-Flip Loan Programs
- Hard Money Loan Programs
Conventional Loans
– Down Payment: As low as 3% for eligible first-time buyers;
– Primary Residence, Second Homes & Investment Property eligible (requirements differ by property type)
– Private Mortgage Insurance (PMI): Required if down payment is < 20%; may be cancelable once equity reaches 20%
FHA Loan Programs
– Down payment as low as 3.5%
– Minimum Credit Score: 580 (lower scores may require higher down payment)
– Primary Residence Only
– Higher debt-to-income ratios allowed compared to conventional loans
– Flexible credit guidelines, including limited or past credit challenges
VOE (Verification of Employment) Loans
– Down payments as low as 3.5%
– Primary Residence Only
– Minimum Credit Score: 640
– Income verified through VOE (Verification of Employment)
– No tax returns required
Bank Statement Loans
– Loan amounts up to $5,000,000
– Minimum Credit Score: 600
– Up to 90% LTV
– 12 or 24 months of personal or business bank statements
– Minimum 3 months reserves required
– Designed for self-employed individuals and business owners
HELOC / HELOAN Programs
– Credit lines up to $1,000,000 for well-qualified borrowers
– Minimum Credit Score: 620
– Up to 90% LTV
– 10-year draw period
– Interest-only or fixed payment options
Profit & Loss Only Loans
– No tradeline requirement (with 3 credit scores)
– Minimum Credit Score: 660
– Up to 85% LTV (program-dependent)
– 12 or 24 months bank statements accepted
– Up to 80% LTV for non-owner-occupied properties
– Unlimited cash-in-hand allowed
– Cash-out proceeds may be used as reserves
– 3-month cash-out seasoning permitted
– Loan amounts up to $3,000,000+
Foreign National Loan Programs
– No U.S. FICO required (or 680 credit accepted) with financing up to 80% LTV
– No DSCR required up to 65% LTV
– 6 months of reserves required
– No deposit sourcing, credit reference letters, U.S. asset seasoning, or visa required
1099-Only Income Programs
– No tradeline requirement (with 3 credit scores)
– 1 or 2 years of 1099s or IRS transcripts accepted
– Income calculated using a 12- or 24-month average, minus an expense ratio
– Up to 80% LTV on non-owner-occupied and eligible properties
– Unlimited cash-in-hand allowed
– 3-month cash-out seasoning permitted
– Cash-out proceeds may be used as reserves
– Loan amounts up to $4,000,000
Asset Utilization Programs
– No tradeline requirement (with 3 credit scores)
– Up to 80% LTV on non-owner-occupied and eligible properties
– Unlimited cash-in-hand allowed
– Cash-out proceeds may be used as reserves
– Loan amounts up to $4,000,000
CalHFA Down Payment Assistance (DPA)
– Up to 100% Down Payment Assistance available when combined with eligible programs
– Minimum FICO: 600 (program-dependent)
– Primary Residence Only
ITIN Borrower Loan Programs
– Down payments as low as 3.5%
– Primary Residence Only
– Minimum Credit Score: 580
– SSN Variances on Credit Reports Accepted
– Income: VOE (Verification of Employment) or Profit and Loss for Self-Employed Borrowers. No tax returns required
Bridge & Fix-and-Flip Loan Programs
– Up to 90% LTC for all borrowers with 720+ FICO, regardless of experience
– Up to 100% LTC on renovation costs
– Minimum Credit Score: 660
– 12, 18, or 24-month interest-only terms
– No income verification or bank statements required
– Interest charged only on drawn renovation funds
– Fast closings in as little as 10 days
Hard Money Loan Programs
– Up to 80% LTV
– No income verification required
– Bad credit accepted
– Fast approvals and quick closings
– Ideal for purchases, refinances, bridge, or short-term investment strategies