Our Loan Programs

Program Highlights

• Competitive fixed and adjustable rates
• Loan amounts up to $1,500,000
• Primary residences, vacation homes, and condos
• Debt-to-income ratio up to 45%
• Multiple term options available

Ideal For

Borrowers with strong credit profiles seeking the best rates and terms for purchasing or refinancing their primary residence or vacation home. Available for single-family homes, townhouses, and approved condominiums.

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Program Highlights

• Loan amounts from $150,000 to $3,000,000
• Minimum 20% down payment
• Debt-to-income ratio up to 55%
• No traditional income documentation required
• Flexible qualification criteria

Ideal For

Self-employed individuals, business owners, foreign nationals, and asset-based borrowers who may not qualify under traditional lending guidelines. This program offers flexibility for borrowers with non-traditional income sources.

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Program Highlights

• Loan amounts up to $4,000,000
• Up to 90% financing available
• Credit scores as low as 660
• No mortgage insurance options
• 12-month bank statement review
• 40-year term options available

Ideal For

Self-employed borrowers who can demonstrate strong cash flow through bank statements rather than tax returns. Ideal for business owners, freelancers, and independent contractors seeking competitive terms.

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Program Highlights

• No income or employment verification required
• Loan amounts from $150,000 to $3,000,000
• Minimum 30% down payment
• Credit scores as low as 680
• Primary, second homes, and investment properties
• Interest-only options available

Ideal For

Borrowers who prefer not to disclose income details, retirees with significant assets, high-net-worth individuals, and investors with complex financial portfolios. This program evaluates qualification based on assets and credit profile rather than traditional income documentation.

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FHA Loans

• Down payments as low as 3.5%
• More flexible credit requirements
• Available for first-time homebuyers
• Competitive interest rates
• Streamline refinance options

VA Loans

• Zero down payment for eligible veterans
• No private mortgage insurance required
• Competitive rates for active military and veterans
• Flexible qualification guidelines
• Cash-out refinance available

Program Highlights

• Rent cash flow only — no personal income required
• Loan amounts from $100,000 to $4,000,000
• Minimum 20% down payment
• No employment verification needed
• DSCR can be as low as zero
• Supports short-term rentals (Airbnb)
• Cash-out refinance available

Ideal For

Real estate investors seeking to expand their portfolio using rental income to qualify. Whether you own single-family rentals, multi-unit properties, or short-term vacation rentals, our DSCR program evaluates the property's cash flow rather than your personal income.

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Program Highlights

• No employment/income verification required
• No DTI limits — primary residences eligible
• No FICO credit score? No problem
• F, B, J and other visa types all accepted
• New home purchase: only 40% down payment
• Gift funds accepted for down payment
• Rental properties: 50% LTV required
• Same competitive rate for all above terms

Ideal For

Foreign nationals with student visas (F1), work visas (H1B/L1), visiting scholar visas (J1), DACA recipients, and ITIN-only applicants. Whether or not you have a US credit history, we offer flexible loan solutions to help you achieve your American dream of homeownership.

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