Programs

Loan Programs & Scope

Find the Right Mortgage — Without Guessing

We help you determine whether a conventional loan works for your situation, or if a non-QM option provides a more realistic path to approval.

Standard Loan Programs

Conventional Loans

Best for borrowers with stable W2 income, strong credit, and straightforward financial profiles.

  • Fixed and adjustable-rate options
  • Primary, second home, and investment properties
  • Down payment as low as 3%
  • Best for borrowers with stable W2 income and strong credit

FHA Loans

  • Low down payment (3.5%)
  • Flexible credit guidelines
  • Higher allowable DTI
  • Ideal for first-time homebuyers

VA Loans

  • No down payment for eligible veterans
  • No monthly mortgage insurance
  • Competitive interest rates
  • Available for active duty and veteran borrowers

Jumbo Loans

  • Loan amounts above conforming limits
  • Competitive options for high-value properties
  • Flexible structuring for strong borrowers

Flexible & Non-QM Loan Options

In addition to standard programs, we offer flexible loan solutions for borrowers with more complex financial situations — including self-employed individuals, real estate investors, and those with non-traditional income.

Bank Statement Loans

  • Qualify using 12–24 months of bank statements
  • Ideal for self-employed borrowers
  • No traditional tax return income required

DSCR Investor Loans

  • Qualify based on rental income (no personal income required)
  • Designed for real estate investors
  • Scalable financing for investment properties

Asset-Based / Asset Depletion Loans

  • Use liquid assets to qualify
  • Ideal for high-net-worth borrowers
  • Alternative to traditional income verification

1099 & Self-Employed Programs

  • Designed for contractors and business owners
  • Flexible income calculation methods
  • More realistic qualification vs traditional guidelines

Medical Professional Program

  • Designed for physicians, dentists, and other medical professionals
  • Low down payment options available
  • No PMI on select programs

Refinance Options

Rate & Term Refinance

  • Lower your interest rate
  • Reduce monthly payment
  • Change loan terms

Cash-Out Refinance

  • Access home equity
  • Consolidate debt
  • Fund investments or major expenses

Situations We Help With

We work with borrowers across a wide range of scenarios, including:

  • Self-employed or variable income
  • High DTI situations
  • Rental income complexity
  • Investment property financing
  • Asset-based qualification
  • Borrowers previously declined by other lenders

How We Approach Loan Selection

We don’t start with a rate — we start with your scenario.

Before moving forward, we evaluate:

  • Income structure
  • Debt-to-income profile
  • Available assets
  • Property type and risk factors

This helps us match your loan to the right program from the beginning — reducing delays, unnecessary conditions, and last-minute surprises.

Not Sure Which Program Fits You?

We’ll review your situation and help you determine:

  • Whether a conventional loan is realistic
  • Or if a non-QM option provides a better path to closing


Do you have any question?
Feel free to contact us anytime.

Contact Us