Flexible Financing

Loan Options Available

Whether you are buying your very first home, lowering your monthly payment, or leveraging non-traditional income, we have tailored programs for your needs.

[01]

First-Time Home Buyer Loans

Navigating your first home purchase with flexible down payment options, education support, and buyer assistance programs.

  • Low down payment requirements.
  • Down payment assistance eligible.
  • Flexible credit score requirements.
Explore First-Time Options
[02]

FHA Loans

Government-backed mortgages designed to make homeownership accessible with lower credit scores and smaller down payments.

  • Down payments as low as 3.5%.
  • More lenient credit requirements.
  • Fixed and adjustable rates available.
Check FHA Eligibility
[03]

Refinancing Options

Lower your monthly mortgage payments, shorten your loan term, or convert equity into cash for major home improvements.

  • Rate-and-term refinancing.
  • Cash-out equity options.
  • Consolidate high-interest debt.
See Refinance Rates
[04]

Conventional Loans

Ideal for buyers with good credit standing. Offers competitive interest rates, customizable terms, and removable PMI.

  • Competitive interest rates.
  • No mortgage insurance with 20% down.
  • 10, 15, 20, and 30-year terms.
Get Conventional Quote
[05]

Bank Statement Program

Designed specifically for self-employed individuals, business owners, and freelancers who qualify using bank deposits instead of tax returns.

  • 12 to 24 months of bank statements.
  • No tax returns or W-2s required.
  • Ideal for self-employed borrowers.
Explore Bank Statement Loans
[06]

Foreign National Loans

Tailored financing solutions for non-U.S. citizens seeking to invest in residential or vacation real estate across the United States.

  • No U.S. credit history required.
  • No SSN or Green Card needed.
  • Flexible income documentation.
Learn Foreign National Rules
[07]

ITIN Loans

Mortgages crafted for borrowers who work and pay taxes in the U.S. using an Individual Taxpayer Identification Number instead of an SSN.

  • Qualify with your ITIN number.
  • Flexible credit verification methods.
  • Primary and secondary homes eligible.
Apply with an ITIN
[08]

Condotel Loans

Specialized financing for condo-hotel units with resort amenities, allowing you to generate rental income while owning a vacation retreat.

  • Financing for non-warrantable condos.
  • Primary, secondary, or investment uses.
  • Rental pool program compatibility.
Explore Condotel Options
[09]

DSCR Investor Loans

Qualify based on the rental cash flow of the property itself—no personal income, employment details, or tax returns required.

  • Qualification based on rental cash flow.
  • No personal debt-to-income limits.
  • Great for scaling rental portfolios.
Check DSCR Rates