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Mortgage Loans
Discover the Right Mortgage for YouWe offer exceptional programs tailored to meet the diverse needs of our clients. Below, you will find detailed descriptions, key benefits, and the minimum down payments required for each offering.
Government Loans
Bridge Loan
Short-term financing for homebuyers who have a house to sell.
Cash-out Refinance
Up to 95% loan-to-value ratio made for paying off high-interest debt.
Conventional Loan
Great for well-qualified individuals, with lower rates and less hoops.
DSCR Loan
PROPERTY INVESTOR LOAN
A Debt Service Coverage Ratio (DSCR) loan is a type of financing where the borrower’s ability to repay the loan is evaluated based on the property’s income relative to its debt obligations. Specifically, the DSCR measures the property’s net operating income (NOI) against its total debt service (the sum of principal and interest payments). For example, a DSCR of 1.2 means the property generates 20% more income than is required to cover the loan payments, indicating a strong ability to repay the loan. Lenders use this ratio to assess the risk and financial viability of the loan, with higher DSCR values suggesting a lower risk of default and a more reliable income stream. This approach is particularly common in commercial real estate and investment property financing.
Non-QM Loan
FLEXIBLE REQUIREMENT LOAN
A Non-Qualified Mortgage (Non-QM) loan is a type of mortgage that does not adhere to the stringent criteria set for Qualified Mortgages (QM), such as specific income verification standards and debt-to-income ratio limits. Non-QM loans are designed to offer flexibility for borrowers who might not meet traditional lending requirements, including self-employed individuals, those with irregular income, or those with higher debt-to-income ratios. These loans can include features like interest-only payments or adjustable rates, providing an option for borrowers who need more adaptable terms and conditions. Non-QM loans cater to a broader range of financial situations, allowing access to home financing for those who might not qualify for standard mortgages.
HELOC
Heloc loans provide homeowners with a flexible borrowing option, allowing them to access the equity in their homes for various financial needs.
Jumbo Loan
Special financing for higher value properties with limits set by location.
Multifamily Loans
Multifamily unit financing refers to financial products and services that support the acquisition, development, and refinancing of properties with multiple residential units, such as apartment buildings.
Renovation loans
Renovation financing provides loans for repairing, improving, and upgrading residential properties. A popular option is the FHA 203(k) loan, which allows homeowners and buyers to finance the purchase and renovation of a property with a single mortgage. Conventional Renovation available.
Flip and Fix Loans
Fix and flip loans provide short-term financing for investors to purchase, renovate, and quickly resell properties. These loans cover repair and improvement costs before the property is sold.
ITIN Loans
Get closer to home with our ITIN Mortgage Program. Accessible and affordable housing is crucial, regardless of your background or community.
If you can’t obtain a Social Security number, our program can still help you buy a home.
Bank Statement Loans
Bank statement loans offer a mortgage solution for self-employed borrowers by using bank statements for qualification instead of tax returns or pay stubs.