Loan Programs

Conventional Loans

A conventional loan is a mortgage that isn't backed by a government agency — it follows guidelines set by Fannie Mae and Freddie Mac. These loans typically offer competitive interest rates and flexible terms, and they work well for borrowers with solid credit and a stable income history.

Down payments can be as low as 3%, and once you reach 20% equity, private mortgage insurance (PMI) drops off automatically. Because we work with 40+ wholesale lenders, we can shop your file to find the best conventional product for your specific situation.

FHA Loans

FHA loans are backed by the Federal Housing Administration and are designed to make homeownership more accessible. They allow credit scores as low as 580 with just 3.5% down, making them a popular choice for first-time buyers or anyone who's had some bumps in their credit history. The tradeoff is mortgage insurance for the life of the loan in most cases, but for the right borrower, an FHA loan can be the fastest path to owning a home. We'll help you weigh the numbers so you know exactly what you're getting into.

Non-QM Loans

Non-QM (Non-Qualified Mortgage) loans are built for borrowers who don't fit the traditional income documentation box. Self-employed professionals, real estate investors, freelancers, and others with non-traditional income streams often struggle to qualify through conventional channels — Non-QM loans solve that. Instead of tax returns, these programs may use bank statements, 1099s, asset depletion, or rental income (DSCR) to qualify you. If you've been told "no" elsewhere, this is often where the conversation starts with us.

VA Loans

VA loans are one of the most powerful mortgage benefits available, and they're exclusively for veterans, active-duty service members, and eligible surviving spouses. Backed by the Department of Veterans Affairs, these loans require no down payment, no private mortgage insurance, and typically come with some of the lowest interest rates on the market. It's our honor to help the people who've served this country use a benefit they've earned. If you're not sure whether you qualify, let's find out — the answer is usually yes.

Commercial Loans

Commercial loans are designed for business owners and investors looking to purchase, refinance, or leverage income-producing properties — think office buildings, retail spaces, mixed-use properties, and multi-unit apartment complexes. Unlike residential mortgages, commercial loans are underwritten based heavily on the property's income potential and the strength of the business or borrower behind it. Terms, rates, and structures vary widely, and having a broker in your corner who can shop across multiple lenders makes a significant difference. Whether you're acquiring your first commercial property or expanding an existing portfolio, we'll help you find the right structure for the deal.

DOCUMENTS WE TYPICALLY NEED FOR A PURCHASE OR REFINANCE

We understand your time is valuable, and we are all busy working very hard these days. Our upfront A.I.M intake process of gathering your documents ensures us that we will deliver you legendary service and communication with speed, accuracy, and quality.

Our experience tells us that it is better to obtain all of your information upfront, so we have the entire picture in front of us and can provide you with the best loan products and service you deserve.

Here is a list of documents we typically need. Please note that the best way to deliver the required documents is in PDF format. While we understand that taking pictures of your pay stubs or bank statements on the counter is quick and easy, that process does not always deliver the best quality of documents for the underwriter. Please make sure that all documents are clear, and the information is not cut off:

  • 1 Picture Identification – Typically, a driver’s license will suffice
  • 2 Pay Stubs – Your last two pay stubs if you are paid bi-weekly or twice a month. If you are paid weekly, please provide your last four weeks of pay stubs
  • 3 W2s – Your last two years of W2s
  • 4 Bank Statements – Your last two months of bank statements of all pages (including blank pages) of all accounts
  • 5 Retirement/Stock Account Statement – Your last quarterly statement of your 401K, IRA, or Stock account
  • 6 Tax Returns – Your last two years of federal tax returns
  • 7 Earnest Money Down – When you sign an Agreement of Sale, you will most likely be putting money down on the contract. We will need a copy of the check showing cashed, as well as the bank statement showing the funds have cleared your account
  • 8 Home Owner’s Insurance Agent – When you purchase a home, you will need homeowner’s insurance. Once you have decided on what company, please provide the name, phone number, email address, and contact person so we may obtain the information needed
  • 9 Mortgage Statements – If you currently own other homes, we will need your current mortgage statement (s). Especially for refinancing, we need this information to qualify you. If the mortgage statements do not show escrowing of taxes and insurance, then we will need a copy of those bills
  • 10 Rental/Lease Agreements – If you currently own properties, we will most likely need your rental/lease agreements to qualify you. Please ensure these rental/lease agreements are up to date and signed/dated

Self Employed Borrowers – What If I Am Self Employed?

With the myth of being self-employed and it being tough to get a mortgage loan is out there, it is not impossible.  Our A.I.M method again comes to the rescue to help you with what documents you will need:

In addition to most of the documents listed above, we will need the following:

  • 1 Tax Returns – Two years of personal tax returns
  • 2 Business Tax Returns – Two years of business tax returns, including all schedules and K1s
  • 3 Business License – Copy of your business license
  • 4 Year To Date Profit And Loss Statement – We will need a copy of this statement
  • 5 CPA Letter – We will typically need a CPA letter indicating and certifying you are in business and in good standing
  • 6 Business Bank Statements – Especially for purchasing a home, we may need copies up to and including your last 12 to 24 months of statements

As always, you can contact us 24 x 7 x 365, and we will be happy to talk to you!!