Your Lender Connections NMLS #

Loan Programs

Residential Financing, Start to Finish

Purchase or refinance, primary home or investment property. If your situation does not fit a standard box, there is very often a program that does.

Standard & Government

  • Conventional — standard home loans
  • FHA — flexible qualifying requirements
  • VA — zero down for active duty & veterans
  • USDA — zero down, rural & suburban
  • Jumbo — above standard loan limits

Alternative Income

  • Bank statement programs
  • Asset depletion qualifying
  • Reduced-documentation options
  • ITIN & foreign national
  • Self-employed & 1099 borrowers

Built for borrowers whose income is real but does not show up neatly on a W-2.

Property & Project

  • Renovation — 203(k) & HomeStyle
  • One-time-close construction
  • Fix & flip and rehab
  • Manufactured & mobile homes
  • Condo, condotel & short-term rental
  • Reverse mortgages (HECM)

Program availability, terms and qualifying requirements vary by lender, property and borrower. Nothing here is an offer to lend or a commitment to make a loan.

Home Equity

Put Your Equity to Work

A home equity line of credit is one of the more direct ways to consolidate higher-interest debt into a single monthly payment, and to free up cash flow while you do it.

Retired, self-employed, or carrying a high debt-to-income ratio? Those situations are worth a conversation rather than an assumption — equity can open a door that income alone does not.

Fixed and variable rate structures are both available. Credit limits, terms and qualifying depend on the property, your equity position and the program selected.

A HELOC Is Often Used To

  • Consolidate debt into one payment
  • Make home improvements
  • Fund education costs
  • Cover a major expense
  • Put working capital into a small business
Ask About a HELOC

Investment & Business

Buying for Income Instead?

DSCR loans, commercial property and SBA business lending are all on the Commercial & SBA page.

Commercial & SBA Lending

Not Sure Which One Fits?

That is the normal place to start. Tell me the situation and I will tell you which programs are genuinely worth looking at.

Start Your Application Talk or Message Me Now