Residential
Purchase and Refinance
Conventional Loans
Conventional loans are standard mortgages not insured or guaranteed by the government, often requiring higher credit scores and down payments.
Doctor Loans
Doctor loans are specialized mortgages designed for medical professionals, often offering favorable terms like low down payments and no private mortgage insurance (PMI).
Fannie Mae HomeReady First Mortgage
HomeReady First loans with a $5,000 grant provide eligible low-to-moderate income borrowers with down payment assistance, making homeownership more accessible.
Fannie Mae HomeReady Mortgage
HomeReady loans are affordable mortgage options designed for low-to-moderate income borrowers, offering low down payments and flexible credit requirements.
Fannie Mae RefiNow Mortgage
The Fannie Mae RefiNow mortgage provides low-to-moderate income homeowners with an easier way to refinance and lower their monthly payments.
FHA Loans
FHA loans are government-backed mortgages designed to help borrowers with lower credit scores and smaller down payments qualify for home financing.
FHA Refinancing Loan
FHA refinancing loans allow homeowners to refinance their existing mortgage with more flexible credit and lower equity requirements.
Freddie Mac Home Possible® Mortgage
HomePossible mortgages offer low down payment options and flexible credit requirements, designed to help low-to-moderate income borrowers achieve homeownership.
Freddie Mac HomeOne Mortgage
HomeOne mortgages offer first-time homebuyers low down payment options with no income or geographic restrictions.
Freddie Mac Refi Possible Mortgage
Refi Possible mortgages provide easier refinancing options for low-to-moderate income homeowners, helping them secure lower interest rates and reduce monthly payments.
ITIN Number Loans
ITIN loans provide mortgage options for borrowers without a Social Security Number, using an Individual Taxpayer Identification Number (ITIN) to qualify.
One-Year and Two-Year P&L Loan
One-Year and Two-Year P&L loans allow self-employed borrowers to qualify for a mortgage based on one or two years of profit and loss statements.
USDA Loans
USDA loans are government-backed mortgages designed for low-to-moderate income borrowers in eligible rural areas, often with no down payment required.
USDA Refinancing Loan
USDA Refinancing Loans offer a valuable opportunity for homeowners in rural areas to lower their mortgage costs and improve their financial situation.
VA Loans
VA loans are government-backed mortgages available to veterans and active-duty service members, offering benefits like no down payment and competitive interest rates.
VA Refinancing Loan
VA refinancing loans offer veterans the opportunity to refinance their existing mortgage with favorable terms, often lowering interest rates or accessing home equity.
Jumbo Loans
Jumbo loans are mortgages that exceed the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for financing high-value properties.
Super Jumbo Loans
Super jumbo loans are specialized mortgages designed for financing extremely high-value properties, with loan amounts typically ranging up to $36 million.
1099 Only Mortgage
The 1099 Only Mortgage is ideal for self-employed individuals, offering simplified qualifications and reduced documentation based on 1099 income.
FHA 100% CLTV Combo
The FHA 100% CLTV Combo allows homebuyers to finance the entire purchase price of their home with no down payment, making homeownership more accessible.
0% Down Purchase-Home Possible
The 0% Down Purchase-Home Possible program allows eligible borrowers to purchase a home with no down payment, making homeownership more accessible.
Asset Depletion Loan Program
The Asset Depletion Loan Program allows borrowers to qualify for a mortgage based on their liquid assets rather than traditional income, making it ideal for retirees or those with significant savings.
One-year tax return Loan Program
The One-Year Tax Return Loan Program allows borrowers to qualify for a mortgage using only one year of tax returns, making it ideal for self-employed individuals or those with fluctuating income.
W-2 only Loan Program
The W-2 Only Loan Program simplifies mortgage approval by allowing borrowers to qualify with just their W-2 forms, making it ideal for salaried employees and hourly workers.
Written VOE Only Loan Program
The Written VOE Only Loan Program simplifies mortgage approval by allowing borrowers to qualify with just a written verification of employment, making it ideal for those with non-traditional income.
Manufactured Housing Loans
Manufactured housing loans are available through FHA, VA, USDA, and Conventional programs, offering benefits like low down payments, no PMI, and flexible credit terms.
Construction and Renovation
Fannie Mae HomeStyle Renovation Mortgage
HomeStyle renovation loans allow borrowers to finance both the purchase and renovation of a home under a single mortgage, offering flexibility for various improvement projects.
FHA Loans for Rehab/Renovation Financing
FHA rehab loans, also known as 203(k) loans, allow borrowers to finance both the purchase and renovation of a property under a single mortgage.
USDA Loans for Rehab/Renovation
USDA rehab loans allow borrowers in eligible rural areas to finance both the purchase and renovation of a home under a single mortgage.
VA Loans for Rehab/Renovation Financing
VA Rehab loans allow veterans to finance both the purchase and renovation of a home under a single VA-backed mortgage.
FHA Construction Loans
FHA construction loans allow borrowers to finance the construction of a new home with a low-down payment, combining both the construction and permanent mortgage into one loan.
USDA Construction Loans
USDA construction loans provide financing for eligible borrowers in rural areas to build a new home with no down payment required.
VA Construction Loans
VA Construction loans enable eligible veterans to finance the construction of a new home with the benefits of a VA mortgage, including no down payment.
Residential Lot-Land Loan
Residential Lot/Land Loans offer flexible financing for purchasing undeveloped land with full or limited income documentation options.
Fix and Flip Loan
Fix and Flip Loans offer real estate investors fast, flexible financing to purchase, renovate, and sell properties for profit. These short-term loans are based on the property's potential value after repairs, making them an ideal choice for quick-turnaround projects.
Spec Construction Loan
Spec construction loans provide financing for builders to construct homes without a specific buyer, with repayment typically due upon sale of the property.
Second Mortgages
HELOC loans
A HELOC is a flexible line of credit secured by your home's equity, allowing you to borrow funds as needed at competitive rates. It's an ideal financing option for homeowners looking to manage large expenses like home improvements or debt consolidation.
HELOC with Bank Statements
A HELOC using 12-month bank statements is designed for borrowers who have non-traditional income sources. It offers a flexible and accessible way to leverage your home's equity, especially for self-employed individuals who may find it challenging to qualify through conventional methods.
Fixed Rate Second Mortgage
A Fixed Rate Second Mortgage provides homeowners with a lump sum of money secured by their home's equity, offering predictable monthly payments and no changes to the existing first mortgage. It's an excellent option for financing long-term projects or managing large expenses.
Fixed Rate Second Mortgage with 12-month bank statements
A Fixed Rate Second Mortgage using 12-month bank statements offers a flexible way for non-traditional borrowers to access funds, providing predictable monthly payments and the ability to maintain their existing first mortgage.
Investor 1 to 4 Units
DSCR Loan
DSCR loans are investment property mortgages based on the Debt Service Coverage Ratio, focusing on the property's income rather than the borrower's personal income.
Foreign National Loans
The Foreign National Mortgage provides non-U.S. citizens with access to U.S. real estate investments, offering flexible documentation and competitive terms.
Foreign Nationals DSCR Loans
The DSCR loan allows Foreign National borrowers to qualify based on rental income without personal income verification.
Rental Portfolio Loan
Rental portfolio mortgages allow investors to finance multiple rental properties under a single loan, simplifying management and potentially improving financing terms.
Florida Hometown Heroes
Florida Hometown Heroes loans provide down payment and closing cost assistance to eligible frontline workers and educators in the state, helping them achieve homeownership.