About Us

Conventional loans are a good option if you have a higher credit score and stable employment history. Interest rates for conventional loans are usually some of the lowest.

Highlights:

• Down payments as low as 3%

• Credit scores as low as 620 may be accepted

• Popular choice for purchase & refinance

• Easier to get rid of PMI than any other loan type

• Straightforward mortgage

• Offers fixed and adjustable rates, in 10-30 year terms

FHA loans offer flexible financial and credit requirements, easy financing options, and down payment assistance programs for eligible borrowers. 

Highlights: 

• Down payments as low as 3.5%

• Credit scores as low as 580 may be accepted

• FHA streamline refis don’t require an appraisal

• FHA 203k can help provide additional funds before moving in if the home requires repairs or renovations

• FHA-eligible down payment assistance programs allowed

• Great for first-time home buyers

• Government-backed mortgage loan that can allow you to buy a home with looser financial requirements

Guaranteed by the United States Department of Veterans Affairs, a VA loan can offer exclusive homeownership benefits for veterans, active-duty service members, and eligible surviving spouses.

Highlights:

• 0% down payment

• Credit scores as low as 580 may be accepted

• No private mortgage insurance (PMI) required

• Lowest interest rates available for qualifying borrowers

• Current VA loans can be streamline refinanced with no appraisal

USDA home loans give low- to moderate-income households the opportunity to purchase a home in a designated rural area with no money down.

Highlights:

• 0% down payment

• Credit scores as low as 580 may be accepted

• Available for rural properties only

• Available for US citizens, non-citizen US nationals, and qualified permanent resident aliens

• Guaranteed Loan Program for low- to moderate-income families/individuals

A jumbo loan is a mortgage used to finance properties that exceed the conventional conforming loan limits set by the Federal Housing Finance Agency (FHFA). In most counties the conforming loan limit for 2022 is $647,200. The limit is higher in areas where the median house cost exceeds this number. Homes that exceed the local conforming loan limit require a jumbo loan.

Highlights:

• Credit scores as low as 660 may be accepted

• Competitive interest rates

• Can be used to purchase a home or refi your current loan

• More borrowing power for high-cost homes

• QM Jumbo Prime up to $3MM

• Non-QM up to $10MM

• Can be used for Primary Residence, Second Home and Investment properties

• Renovation & Construction

A home equity loan allows you to tap into the equity in your home and use it as cash. Home Equity Loans go by a few common names such as “cash-out refinance” loans, “second mortgages” or even “debt consolidation” and in Texas they are also referred to as “Texas cash-outs” or a “Texas A(6)”. 

Highlights:

• There are two main types of home equity loans: fixed-rate loans and home equity lines of credit (HELOCs)

• Taking out a home equity loan can be much more cost-effective than using credit cards with high interest rates to make large purchases

• You are limited to using 80% of the homes value

• Closing costs are capped at 3% of the homes value

• The money received from a home equity loan can be used for anything

DSCR loans (Debt Service Coverage Ratio) are great for purchasing investment properties. No-Ratio DSCR loans consider rental income and/or potential rental income of the property for qualification instead of your personal income. 

Highlights: 

• Suited for new and seasoned real estate investors

• Designed for Investment Rental Properties

• Both long-term and short-term rentals are eligible (Airbnb, VRBO, etc.)

• Great alternative to private and hard money loans due to lower rates, fees and easy qualification

• No income or job history verification required

• Loan amounts up to $7.5MM

• Unlimited cash out

• Interest-only loan options available

• Credit scores as low as 620 may be accepted

Bank statement mortgage programs are often a good option for self-employed individuals, business owners, realtors, consultants, and retirees who need an alternative income verification option.

Highlights:

• Up to 90% LTV

• Credit scores as low as 620 may be accepted

• Allows you to qualify based on bank statements instead of tax returns

• 12-24 Month Bank Statement Program w/ Personal or Business Bank Statements

• Prime and Second Chance Programs

• Loan Amounts Up To $2.5MM

• Cash Out Up To $1MM

• Interest Only and Fixed Terms Available

An asset-based loan, also known as an asset depletion loan, is one that uses assets as income. It allows borrowers to utilize the following assets to qualify: Checking, Savings and Money Market accounts, Personally Held Stocks, Bonds, Mutual Funds, and Vested Amount of Retirement/Tax Deferred accounts.

Highlights:

• Qualified based on verified liquid assets

• Six-Month Seasoning of all Assets is Required

• Loan amounts up to $3 million

• Minimum 620 credit score

• No tax return or 4506T required

• Interest Only available

• As little as 20% down payment

• Cash out allowed

The Foreign National Loan Program is also known as a Foreign national loan, or non-permanent resident alien loan. The program helps non-residents of the United States purchase real estate here in the US.

Highlights: 

• Includes primary residences and/or vacation properties

• Can be used for investment property

• Available to those who classify as resident aliens, achieve temporary status or permanent status

• Borrower cannot reside in the United States

• maximum LTV Is 70%

• 12 months reserves are required

• Loan amounts up to $1.5MM

Recent credit events can make it challenging to secure a loan because many lenders view them as a red flag. We offer loan programs for borrowers with recent credit events including foreclosure, short sale, and bankruptcy.

Highlights:

• Up To 85% LTV

• 620 Minimum Credit Score

• 50% DTI Max

• Bankruptcy, Foreclosure And Short Sales (24 Month Seasoning/ No Seasoning at Lower LTV’s)

• Gift Funds Are Acceptable

• Need 3 Months PITI Post-Closing

• Full Doc, 12-24 Month Bank Statement, 1099 Only Income Docs Allowed