Custom & Niche Loans

There is a lot to think about when it comes to selecting the right mortgage for your individual situation.

NICHE Loans:

Medical Professional Loans, aka: Dr. Loans
Bank Statement Loans up to 90% LTV
DSCR up to 85% CLTV
1099 Only Loans
Foreign National Loans
ITIN Loans (Individual Taxpayer Identification Number)
Asset Depletion - Combine with other income types
Credit Challenged - FHA Min 550 FICO; VA Min 580 FICO
Lease Purchase Program - Use Rent Credits towards down payment
Bridge Loans - Eliminate Contingencies on Purchase Contracts
2% DPA Grant Program, Fully Forgiven on Day 1, No Lien, No Repayment, No 2nd, No Strings
Commercial Loans
Hard-Money LoansII

40-Year Jumbo Loans:

Investors DSCR Loans:

DSCR Loans (Debt Service Coverage Ratio)
Available for DSCR Multiple Unit (1-4; 5-8) Residential for Purchase or Refinance (Rate & Term or Cash-Out)
No tax returns or W-2s required
Close in as little as 2-3 weeks
Qualify based on rental income (not personal DTI)
Available for short-term and long-term rentals (including Airbnb)
Ideal for portfolio growth and cash-flowing properties
40-Year DSCR P&I as well as Interest Only available

Equity Xcelerator Loans:

A unique loan designed to pay off a 30-year mortgage in under 10 years; Build equity faster
First position HELOC that functions as both a mortgage and a checking account
Pays principal first
Deposits create a snowball on equity acceleration as every deposit lowers the balance immediately, reducing interest accrual
For Stable, higher income borrowers