All Your Real Estate Needs, Covered.

 Whether you’re self employed, a first time buyer, Veteran, or seasoned investor; you’ll be sure to find that we offer the best and most competitive loan options available. 

Traditional Mortgage Options

Conventional Loans

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.

  • 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

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

  • Down payments as low as 3.5%
  • Great for first-time home buyers
  • 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
  • Government-backed mortgage loan that can allow you to buy a home with looser financial requirements

VA Loans

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.

  • 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 Loans

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

  • 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

Jumbo Loans

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.

  • 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

Home Equity Loans

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)”. 

  • 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

Non-QM Mortgage Options

No Ratio DSCR Loans

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. 

  • 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 Loans

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.

  • 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

Asset-Based Loans

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.

  • 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

Foreign National Program

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.

  • 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

ITIN Mortgage Program

An ITIN loan provides flexibility to borrowers without Social Security cards. Homebuyers with ITIN cards can qualify for a mortgage as long as they meet the eligibility requirements.

  • Loan amounts up to $2.5MM
  • One year seasoning for foreclosure, short sale or deed-in-lieu
  • Two years seasoning for bankruptcy
  • Primary home only
  • Up to 50% DTI
  • Non-warrantable condos allowed
  • One unit only
  • Purchase, cash-out or rate-term refinance

2nd Chance Purchase Program

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.

  • 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

Apply for a home loan or refinance from the comfort of your home.

Fast. Easy. Simple.



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