Home Loan Programs
Business/Self-Employed Income Loans
Business / Self-Employed Income Loans are designed for entrepreneurs, freelancers, and business owners who don’t have traditional W-2 income. Instead of relying only on tax returns, lenders evaluate bank statements, cash flow, and business performance to determine eligibility.
Short-Term / Project Specific Loans
Short-Term or Project-Specific Loans provide fast funding for temporary needs or specific real estate projects, such as fix-and-flips, construction, or bridge financing. These loans are typically short duration (6–24 months) and focus more on the project’s profitability rather than long-term borrower income.
Equity-Based Loans
Equity-Based Loans allow borrowers to access cash based on the value (equity) they already have in a property rather than their income. This means qualification is primarily based on the property’s loan-to-value (LTV) instead of income or employment.
Commercial / Portfolio Loans
Commercial / Portfolio Loans are designed for investors purchasing or refinancing income-producing properties such as apartment buildings, office spaces, or mixed-use properties. Portfolio loans are often kept by the lender (not sold), allowing more flexible terms tailored to investors.
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members. It offers some very great benefits to those that have served our country.
FHA Loans
It's easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
