Home Loan Solutions
Explore a variety of home loan solutions designed to fit your financial goals. Our team simplifies the process for a seamless experience.
Refinance Options
Maximize your savings with our flexible refinancing options. We offer personalized advice to help you achieve your financial aspirations.
Traditional Loans (also known as Conforming Loan Programs)
We offer significant advantages when securing a traditional or conforming loan by providing access to multiple lenders, presenting loan options like fixed-rate mortgages, small-type adjustable rate mortgages, FHA, and VA loans, and negotiating competitive interest rates. Our streamlined application process guides borrowers through qualification requirements (credit score, debt-to-income ratio, down payment), and offer pre-approval services. Additionally, we can help structure and customize loans, navigate government-backed programs, and assist with refinancing. Overall, we help simplify the lending process while helping you to secure better terms and rates.
Non-Conforming Lending Programs
For non-conforming lending programs, we offer access to a wide range of lenders specializing in loans that do not meet Fannie Mae or Freddie Mac guidelines, such as jumbo loans, subprime mortgages, and loans for those with unique financial situations. We can secure financing for larger loan amounts, borrowers with lower credit scores, or those with complex income sources like self-employment. We offer expert guidance on unique qualification requirements, and provide access to niche lenders, ensuring you will get financing even outside standard guidelines.
Savvy Investor
This is a product for a true property manager. Investment Properties can be vested in an LLC if the property will be used for business purposes, not for personal use. The borrowers on the loan application must be a managing member (s) and have documented authority to sign on behalf of the entity. In addition, all members with signing authority must sign the security instrument. All members with 25% ownership or more will have an AML/BSA review. Document requirements:
Certificate of formation, filed articles of incorporation, including any and all addendums and a current listing of all ownership interests. We will perform a OFAX check for all individuals with 25% or more ownership in the entity.
The Operating Agreement for the LLC must be underwritten before loan application can show vesting in the LLC.
Current Certificate of good standing dated within 12 months prior to this loan’s note date.
Construction Loans
We offer a One-Time close new construction loan with up to 10 months to build. The contractor will complete a vetting application with credible references. We maintain this list of approved builders and renew their status annually.