💼 Loan Programs
Comprehensive residential & commercial financing solutions
Browse all available loan programs or view specialty program marketing materials below
Residential Loan Programs
- •Conforming (Fannie Mae / Freddie Mac)
- •Non-Conforming (Jumbo)
- •Fixed-rate and Adjustable-rate (ARM)
- •FHA Purchase
- •FHA Refinance
- •FHA 203(k) Renovation
- •FHA Streamline Refinance
- •VA Purchase
- •VA Interest Rate Reduction Refinance Loan (IRRRL)
- •VA Cash-Out Refinance
- •USDA Purchase
- •USDA Refinance
- •Rural Housing Programs
- •Jumbo Fixed
- •Jumbo ARM
- •High-Balance Jumbo
- •Super / Mega Jumbo
- •Bank Statement Loans
- •Asset-Based / Asset Depletion Loans
- •No-Ratio Loans
- •DSCR (Residential Investor)
- •Interest-Only Loans
- •Down Payment Assistance (DPA)
- •State and Local Housing Agency Programs
- •Forgivable Second Mortgages
- •Rate-and-Term Refinance
- •Cash-Out Refinance
- •Streamline Refinance Options
- •Construction-to-Permanent
- •Renovation Loans
- •One-Time Close Construction Loans
- •Foreign National Loans
- •ITIN Loans
- •Self-Employed Borrower Programs
- •Investor Portfolio Loans
Commercial Loan Programs
- •Bridge Loans
- •Permanent Financing
- •Construction Loans
- •SBA Loans
- •DSCR Loans
- •Commercial Loans Up to $250M
- •CMBS Loans (Commercial Mortgage Backed Securities)
- •Mezzanine Financing
- •Preferred Equity Loan
Specialty Program Marketing Materials
Complete flyers, social posts, scripts, and cheat sheets
Down Payment Assistance
Buy a Home with Little or No Money Down
You may qualify for multiple down payment assistance programs that can be legally stacked together.
Eligible Funds:
- • State programs (CalHFA)
- • City or county grants
- • Nonprofit assistance
- • Employer housing programs
- • Silent seconds or forgivable loans
Benefits:
- ✔ Reduce or eliminate down payment
- ✔ Lower cash-to-close
- ✔ Ideal for first-time homebuyers
Basic Requirements:
- • First-time buyer (varies by program)
- • Income limits apply
- • Minimum FICO 620–660
- • Owner-occupied property
No Income • No DTI • No Tax Returns
No Income • No DTI • No Tax Returns
A No-Ratio mortgage allows borrowers to qualify without income documentation and without calculating debt-to-income ratio.
Who Qualifies?
- • High-net-worth borrowers
- • Retirees living off assets
- • Self-employed with complex income
- • Borrowers who want privacy
Benefits:
- ✔ No tax returns
- ✔ No DTI
- ✔ Simplified underwriting
- ✔ Fast approvals
Basic Requirements:
- • Strong credit (700+)
- • Large assets or reserves
- • 70–75% max LTV
- • Primary / Second / Investment allowed (depending on lender)
Use Your Bank Deposits Instead of Tax Returns
Use Your Bank Deposits Instead of Tax Returns
Perfect solution for self-employed borrowers, business owners, and gig workers.
How It Works:
- • Provide 12 or 24 months of bank statements
- • Lender calculates income from actual deposits
- • No tax returns required
Benefits:
- ✔ Higher qualifying income
- ✔ Great for business owners
- ✔ Flexible underwriting
Basic Requirements:
- • 620–700+ FICO
- • 2+ years self-employment
- • 3–12 months reserves
- • LTV up to 80–90%
Luxury Financing for $2M–$10M+ Loans
Luxury Financing for $2M–$10M+ Loans
Mega Jumbo mortgages provide custom solutions for high-end property purchases.
Who Qualifies?
- • High-income borrowers
- • Business owners
- • Ultra-high-net-worth individuals
- • Luxury property buyers
Benefits:
- ✔ Loan amounts above $2M
- ✔ Interest-only options
- ✔ Portfolio underwriting
- ✔ Ideal for prime luxury markets
Basic Requirements:
- • 700–740+ FICO
- • 12–36 months reserves
- • LTV 70–80% max
- • Strong liquidity or asset-based income
Fast Business-Purpose Financing Up to $100M
Fast Business-Purpose Financing Up to $100M
Hard money loans provide fast, asset-based financing for investor and commercial real estate. Non-owner-occupied properties only. Loans funded by licensed private lenders, subject to state lending laws.
Who Qualifies?
- • Real estate investors
- • Fix-and-flip professionals
- • Commercial property buyers
- • Bridge loan borrowers
- • Time-sensitive transactions
Benefits:
- ✔ Close in 7-14 days
- ✔ Loan amounts up to $100M
- ✔ No income verification
- ✔ Flexible credit guidelines
- ✔ Business-purpose financing
- ✔ Fast approvals in 48 hours
Basic Requirements:
- • Non-owner-occupied properties only
- • Asset-based approval
- • Property value evaluation
- • Exit strategy required
- • Up to 75% LTV
