_edited.png)
Products and Programs
We are a full service Brokerage. We have strategic relationships with numerous lenders and banks that allows us to shop for the best possible programs for our clients. Dont see a program that you need? Be sure to call us as we have access to more than what is listed below!
Conventional Mortgages
.jpg)
Fannie Mae and Freddie Mac mortgages. Conventional programs can cover many programs from 3% down Programs, Lender paid Mortgage Insurance programs, Doctor loans, First Responder to Elite Pricing programs.
Connect with us to learn more!
​
FHA Mortgages
.jpg)
FHA Mortgages (Federal Housing Administration) Mortgages. FHA mortgages can cover 3.5% Down programs, downpayment assistance, renovation/rehab projects, 1-4 unit properties and more. There are a wide array of properties that may be financed through the FHA.
Connect with us to learn more!
VA Mortgages
.jpg)
VA loans are great for service members or Eligible Reserve/National Guard Members. Elligible borrowers can enjoy the benefits of no money down and no mortgage insurance requirements Programs can cover Purchases, Rehab/Renovation, refinances.
​
Connect with us to learn more!
​
USDA Mortgages
.jpg)
USDA (United States Department of Agriculture) Mortgages are great programs to consider if you live in a USDA approved location. Purchases, Refinances, Rehab/Renovation, and Construction loans are avalilable..
​
Connect with us to learn more.
Reverse Mortgages
.jpg)
Reverse mortgages also known as HECM-Home Equity Conversion Mortgages. Eliminates existing monthly mortgage payments. Borrower can stay in their home and maintain the title. Heirs inherit any remaining equity after paying off the HECM loan. Federal Housing Administration (FHA) insured HECM Loan Program.2 Loan proceeds are not taxed as income (some state or federal benefits could be impacted, i.e. Medi-Cal, SSI, etc. Check with a professional. You must still live in the home as your primary residence, continue to pay required property taxes, homeowners insurance, HOA fees and maintain the home according to Federal Housing Administration requirements.
Connect with us to learn more
Down Payment Assistance
.jpg)
Down payment programs come in many forms. These programs can be a great option for a wide variety properties for purchases of primary residences. Downpayment assistance programs dont always have to be first time home buyers either.
Connect with us to learn more.
Jumbo Loans
.jpg)
Jumbo Mortgages are loans that exceed High Balance loan limits. There are a multitude of Jumbo programs to choose from and it is important to disclose all qualified assets to your Mortgage Broker to see if you're eligible for Elite Jumbo programs.
Connect with us to learn more!
​
Bank Statement Mortgage
.jpg)
Bank statement loans are great for self employed borrowers who may not qualify for a QM loan because their taxes are filed with significant deductions. Bank statement programs can be used with investment properties and primary residences.
Connect with us to learn more!
​
Construction Mortgages
.jpg)
We have a wide variety of construction programs to choose from. Borrowers can take advantage of our wide variety of construction programs from phased construction to One Time Close construction loans. USDA, Convention, FHA, and VA all have construction programs to take advantage of.
Connect with us to learn more!
​
DSCR Mortgage
.jpg)
Debt Service Coverage Ratio loans or DSCR for short, are great for investors with multiple properties. DSCR loans typically do not factor in DTI into borrowers qualifications. Borrowers typically qualify using the Rental income to offset the mortgage payment.
Connect with us to learn more!
​
Self Employed Borrower Mortgages
.jpg)
Self Employed Borrowers have many options to choose from. From Government Loan programs like Conventional, USDA, VA, FHA or Non-QM loan programs. Self employed borrowers have access to a wide variety of programs.
Connect with us to learn more!
​
Investment Properties
.jpg)
Investors have a wide variety of programs to choose from for Investment properties. From Portfolio programs to DSCR programs. Investors have many options to choose from.
Connect with us to Learn more.
​
Bridge Loans
.jpg)
Bridge loans are great if a borrower is looking to buy another property before selling their current property. Bridge loans can be a great source for a down-payment on other properties when time constraints are an issue. We have many Bridge programs to shop from.
​
Connect with us to learn more!
​
​
HELOC and Piggyback mortgages
.jpg)
HELOCs can be used for a wide variety of things like renovations to debt consolidation. HELOCs do not change your First lien position interest rate. HELOCs typically have draw periods and repayment periods.
2nd Lien and piggy back mortgages are good to consider because they are typically closed ended credit, meaning that you can get the funds you need immediately and start paying the principle back sooner.
Connect with us today to learn more.
​
ITIN Borrower Mortgages
.jpg)
ITIN Mortgages are great for foreign citizens with an ITIN and not a social security number. These programs have flexible down payment requirements for borrowers with different needs.
Connect with us to learn more!
​
Commercial Mortgages
.jpg)
Commercial Properties are great to buy for business owners. There are many benefits when approaching purchasing a commercial space. We have commercial lenders to shop that have programs for small car washes, large warehouses, apartment complexes and everything in between.
Connect with us to learn more!
​
Asset Depletion Mortgages
.jpg)
Asset depletion mortgages are great to consider if you have large qualified assets but low income on paper. These programs can give eligible borrowers access to homeownership.
Connect with us to learn more!
​
Hard Money
.jpg)
Hard money is exactly what it sounds like. These programs are designed for short term funds like Land loans, fix and flip projects, and non-warrantable projects. These programs do not follow HPML, TRID, or TILA rules. These programs are great for home renovation investors.
Connect with us to learn more!