Our Programs
For Refinance, For Purchase, For Rental Cash Flow
Conventional Loans
- Up to $647,200 for single family and $828,700 for a 2-unit
- High-balance & Jumbo Mortgages up to $3.0 million
- Minimum FICO of 620
- A debt-to-income ratio lower than 48%
- Buy a primary residence, second home, or rental property
- Down payment as low as 5%
DSCR Loan for Property Investors To Grow Their Real Estate Portfolios
- No tax returns or employment required to qualify
- Loans are based on rental property cash flow coverage
- Loan Amounts up to $3mm
- Financing approval and funding in 2 weeks
- Single family, condos, townhomes, multi-family 2-4 units
- Up to 90% of value
Bank Statement Loans for Self Employed
- For business owners, independent contractors & freelancers
- No pay stubs, W-2’s or tax returns
- 12 to 24 months of bank statements
- Higher loan limits than traditional loans
- Cash out up to 90% LTV
- Primary or Secondary Home
Asset Utilization: For retirees, self-employed, high-net-worth individuals & entrepreneurs
- When a borrower owns considerable assets but does not have a regular source of income
- Assets include: checking & savings accounts, stocks, bonds, mutual funds, 401Ks and IRAs, annuities, trust funds
- FICO of 720 and up
- Down payment of 20% minimum
- Amount up to $3mm
- Cash out up to 70% of value
Mortgages for Nonpermanent Residents
- For recent immigrants or those holding visas for professional, educational, or other purposes
- Must have a valid Social Security number
- 1 year minimum of documented work history and FICO of 620+
- A nontraditional credit check may also be available
Co-op Purchase Loans
- We work closely with you and your real estate agent to pre-qualify you so you can you win board approval
- Our wholesale lenders are well versed with the budget, insurance policies and bylaws unique to coop financings