In every circumstance, we provide professional assistance for your home financial requirements. Whether you're a foreign national, navigating property inheritance, going through a divorce, managing non-traditional or self-employment income, planning for retirement, investing in rental properties, or considering debt consolidation, our expertise guarantees customized solutions tailored to fulfill your unique or not so unique home mortgage financial needs, always with your best interests at heart.
thing
Let's do that you've always wanted to do.
Buy your next home!
Home Buyers, lemme grab your attention:
OUR EXPERTISE:
CONSULTING
We assist you in achieving mortgage literacy, positioning you to confidently pursue your dream of homeownership.
Pre approval
Gain a competitive edge in the housing market with our quick and reliable pre-approval process.
Lenders
Our network of over 70 lenders provides diverse mortgage options tailored to you.
apply here
A Conventional Mortgage is the classic route for homebuyers, widely recognized for its versatility and competitive terms. Backed by private lenders rather than government entities, these loans offer flexibility in down payment amounts and term lengths. Conventional Mortgages cater to a diverse range of borrowers, providing an accessible and straightforward option for those seeking to purchase or refinance a home.
Conventional
Federal Housing Administration (FHA) Mortgages are designed to make homeownership accessible, particularly for first-time buyers facing financial constraints. Known for their lower down payment requirements and more lenient credit criteria, FHA Mortgages provide a viable solution for those who may encounter challenges with conventional financing. These loans can offer down payment assistance or other helpful financing.
FHA
Bank statement mortgages are tailored for borrowers who have difficulty providing traditional income documentation. Instead of pay stubs or tax returns, lenders assess the borrower's income based on their bank statements. This option is popular among self-employed individuals or those with irregular income streams.
Bank Statement Loans
Unconventional income, mortgage approved.
This Could Be You....
Reverse Mortgages cater to homeowners aged 62 and older, allowing them to tap into their home equity without the need for monthly mortgage payments. These loans are particularly beneficial for seniors seeking supplemental income or financial flexibility in retirement.
Reverse Mortgages
Retirement security, mortgage-free.
VA Mortgages pay tribute to veterans, active-duty service members, and qualified surviving spouses by offering a pathway to homeownership with unique benefits. Backed by the U.S. Department of Veterans Affairs, VA Mortgages often feature zero down payment requirements and competitive interest rates.
Veterans - VA
Freedom because of veterans.
Investor loans, including DSCR (Debt Service Coverage Ratio) loans, cater to real estate investors, offering unique advantages like no proof of personal income. These loans have different requirements from primary residence mortgages, with higher down payments and interest rates. Lenders focus on the property's income potential rather than personal income when evaluating eligibility. Investor loans, especially DSCR loans, are valuable tools to help grow your investment portfolio, ideal for investors with multiple properties or variable income streams. Whether you're looking to purchase rental properties, multifamily units, or commercial real estate we have investor loans.
Investor Loans
Foreign National
These loans are designed for non-U.S. citizens or permanent residents looking to purchase property in the United States. These loans accommodate individuals without a Social Security number or U.S. credit history, offering alternative documentation options for income and assets. Lenders may also consider factors such as employment history, assets, and the purpose of the property purchase.
Tailored Financing Options.
A Home Equity Line of Credit (HELOC) enables homeowners to unlock the equity in their property to finance a wide range of expenses. With a HELOC, homeowners can borrow against the equity in their home, using their property as collateral. This revolving line of credit provides flexibility and accessibility, allowing homeowners to borrow funds as needed and repay them over time. Whether you're looking to consolidate debt, cover emergency expenses, or fund a major purchase, a HELOC offers a convenient and customizable financing solution to help achieve your financial goals.
HELOC/HELOAN
Homeowners
See If you qualify
Refinancing is a mortgage option that allows homeowners to replace their current loan with a new one, typically to obtain a lower interest rate or adjust the loan term. This process can also be used to access home equity for various purposes, such as home improvements or debt consolidation. Refinances can help homeowners save money on their monthly mortgage payments.
Refinance
USDA
USDA loans, backed by the United States Department of Agriculture, are a fantastic option for homebuyers looking to purchase property in rural and suburban areas. What sets USDA loans apart is their unique feature of offering 100% financing, meaning you may not need a down payment. USDA loans make homeownership more accessible to a wider range of individuals and families bringing you one step closer to achieving your dream of homeownership in a rural or suburban community.
Temporary rate buydowns are a mortgage financing strategy where the borrower or seller pays additional upfront costs to lower the interest rate for a specified period. This option can be beneficial for buyers who want to reduce their initial monthly payments or qualify for a larger loan amount. During the buydown period, the borrower enjoys lower monthly payments, which gradually increase over time as the interest rate adjusts to its original level.
Temporary Rate Buydowns
These loans are typically used to finance high-value properties that exceed the standard loan limits established by government-sponsored enterprises like Fannie Mae and Freddie Mac. Because of their size, jumbo mortgages often come with slightly different requirements and may have higher interest rates than conventional mortgages. They're ideal for borrowers looking to purchase luxury homes or properties in expensive real estate markets where home prices exceed the conventional loan limits.
Jumbo Mortgage
Big house, Big Mortgage.
Mortgages Made For You
This loan is designed to help homeowners finance the construction of a new home from the ground up. Initially, funds are disbursed to cover the costs of construction, typically in periodic payments as construction progresses. Once the construction is complete, the loan automatically converts into a permanent mortgage, eliminating the need for a separate closing process.
Construction to Perm
Build your dream home
By purchasing first, homeowners can avoid the stress of having to rush into a new purchase or face the uncertainty of temporary housing arrangements. Additionally, buying before selling may enable you to negotiate from a stronger position when making an offer on a new home, as you won't be contingent on selling your existing property.
Buy Before You Sell
Considering a move?
With an extensive network of over 70 lenders, we provide unparalleled access to a diverse range of loan products tailored to meet the individual needs of every home shopper.
Our broad selection ensures that we can match you with the perfect mortgage solution, no matter your financial circumstances or homeownership goals.
get started today
