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Loan Programs


more loan option

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

Efficient Processing

Having many years of combined experience, we have perfected the process of qualifying for loans.

reliable team

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!

  • FHA and Conventional Mortgage Loans
  • Private Loans and Hard Money Loans
  • Bank Statements and 1099 Income loans
  • Profit & Loss + Non-Doc Loan Programs
  • Renovation & Home Improvement Loans
  • HELOC and Home Equity Loans
  • DSCR Investor Loans and WVOE Loans

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homeFHA Loan Program

– 580 FICO Minimum
– DTI per AUS (Automated Underwriting)
– Loan Amounts per county limits First Time Homebuyer OK
– Homeowner Education (at least one borrower) required
– Non-Occupying Co-Borrowers Allowed

See Details & Guidelines

homeNo-Docs Loan Program

– LOANS: up to $5 million
– No Income Doc, No Asset Doc
– Can work with lower credit scores
– No tax returns needed
– Non-Warrantable Condo Allowed
– Primary residence, second home, or investment property

See Details & Guidelines

homeBank Statements Loan

– Loan amounts up to $3 million
– 600 Minimum FICO
– Up to 90 % LTV (loan-to-value)
– 12/24 Months Bank Statements
– + 3 months reserves
– Good for self-employed and business

See Details & Guidelines

homeHELOC / HE Loans

– Maximum Credit Line: Up to 500,000
(for well-qualified borrowers)
– Credit Score: as low as 620
– Borrower up to 95% LTV
– Draw Period: 10 years
– Interest-only payments during the 10-year draw period;
– Principal and interest payments during the 20-year repayment period
– Property Type: 1-4 Unit, Fee Simple, Condo, Townhouse, PUD

See Details & Guidelines


– Loan amounts up to $3.5M
– Minimum credit score as low as 580
– Up to 96.5% LTV on with min. 620 FICO
– Up to 90% LTV on with min. 580 FICO
– Borrower must be a W2 employee for at least 2 years with the same company
– Debt-to-income ratio up to 55%
– PMI required if loan is over 80% LTV
– Cash out up to 80% + 100% Gift Allowed
– All occupancy types (primary residence, second home, or investment property)

See Details & Guidelines

homeDSCR Investor Loans

– Loan amounts up to $2.5M
– FICO 620 / Up to 80% CLTV
– YES to Real estate investors
– Loan amounts up to $2.5 million
– Max cash-on-hand $1 million, no limit for CLTV at 55%
– 40 & 30-year fixed, 5/6 ARM, & 7/6 ARM
– No income or employment verification
– DSCR as low as 0
– Proof of ownership of any property within the past 24 months

See Details & Guidelines

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