Mortgage Loans
-Non-QM
Bank Statement:
A flexible lending solution designed specifically for self-employed borrowers or business owners who desire ease of transaction and less paperwork using traditional income verification methods. Income eligibility is assessed through analyzing bank statements rather than tax returns.
DSCR (Debt Service Coverage Ratio):
A specialized loan tailored for real estate investors, where qualification is based on the property’s ability to generate rental income compared to its monthly debt obligations. This program simplifies the approval process by focusing primarily on property cash flow rather than personal income.
Foreign National:
An accommodating financing option for non-U.S. citizens seeking to invest in U.S. real estate. This loan allows international investors to secure funding without traditional U.S. credit history or income documentation typically required by standard mortgage programs.
-Hard Money
Bridge Loan:
A short-term financing option intended to quickly bridge funding gaps between transactions or until permanent financing can be secured. Ideal for real estate investors needing fast capital to seize immediate opportunities.
Ground-Up Construction:
Designed specifically to fund new property development from the ground up. This short-term, asset-based loan enables builders and developers to quickly initiate construction projects with accessible financing and flexible terms.
Fix & Flip:
A targeted financing option for real estate investors who purchase distressed properties, renovate them, and resell for profit. It provides quick access to capital to fund both acquisition and renovation costs, facilitating swift transactions.
– Conventional
Primary Residence:
Standard mortgage financing for homebuyers seeking to purchase or refinance their primary residence. Offering competitive interest rates and flexible terms, this program suits borrowers with strong credit and verifiable income.
Investment Property:
Traditional mortgage financing tailored for investors acquiring residential rental properties. Featuring competitive terms and rates, this option suits investors aiming to grow their real estate portfolios with stable, long-term financing.
Ground-Up Construction:
A conventional lending solution designed to finance new residential construction projects. This program offers competitive interest rates and structured terms to homeowners and investors building properties from the ground up, often transitioning seamlessly into permanent financing upon completion.