Loan Options

Innovative Non-Conventional Mortgages for Self-Employed allow you to find a great home loan.

This involves careful consideration of your personal needs, finances and history. We are here to guide you.

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Unlock Your Homeownership Dreams with Innovative Non-Conventional Mortgages for Self-Employed!

In the ever-exciting world of real estate, we believe homeownership should be as accessible as finding a great taco stand so, whether you’re a self-employed go-getter, a savvy business owner, or an adventurous investor, we’ve got you covered with our innovative non-conventional mortgages that transform debt into wealth-building opportunities.

Our Specialty: Non-Qualified Mortgages:

The Challenge with Conventional Mortgages:

We know traditional loans can be as rigid as a surfboard in a sandstorm. That’s why we specialize in Non-Qualified Mortgages (Non-QM).

The Solutions with Non-Conventional Mortgages:

Non-Conventional Mortgages are tailored for those who color outside the lines.  Just think bank statement loans for self-employed stars, or programs that consider the unique financial artistry of business owners and investors.

These options don’t just think outside the box—they throw the box away!

A Smorgasbord of Loan Options:
But Wait, There’s More: Conventional Mortgages Too!

For those of you with rock-solid credit and a love for the classic, we haven’t forgotten about you, therefore our conventional loans are like a perfectly brewed cup of coffee: strong, reliable, and just what you need to start your homeownership journey on the right foot.

Benefits of Conventional Mortgages
  • Government-Backed Goodies: FHA, VA, and USDA loans with low down payments and flexible credit requirements.
  • First-Time Buyer Perks: Programs with down payment assistance and tax credits to make your first home purchase as smooth as a beach sunset.
  • State and Local Love: Special initiatives tailored to help residents navigate the mortgage maze with ease.
Why Choose Us? Because understanding loan programs shouldn’t require a degree in finance or a translator. We’re here to demystify the process, provide the knowledge, and offer the support you need. With our guidance, your journey to homeownership will be smoother than a breeze and more rewarding than finding a hidden beach.

Ready to explore your options? Dive into our specific loan programs or give us a shout, because we can’t wait to help you unlock the door to your dream home!

Loan Options We Support For Our Buyers

BANK STATEMENT MORTGAGES

A bank statement loan is a custom mortgage that allows self-employed borrowers to verify their income based on their personal or business bank statements. Rather than traditional methods like tax returns, W-2s, or paystubs.

Debt Service Coverage Ratio Mortgage (DSCR)

A DSCR loan, or debt service coverage ratio loan, is a type of Investment property mortgage. That is used for purchasing short-term or long-term rental investment properties.

Jumbo Residential Mortgage

A mortgage for high-value homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac and allows for wealth-building mortgage opportunities.

Bank Statement HELOC (Home Equity Line of Credit)

A flexible revolving line of credit that uses the equity in your home as collateral, while maintaining the first mortgage.  Approval based is on bank statements instead of traditional income verification. In addition the proceeds can be used for any purpose including business funding through mortgages.

Closed End Second Mortgage

A second mortgage taken out in a lump sum with fixed terms and payments, separate from the primary mortgage. We aim to streamlined mortgage process for the self-employed.

Asset Qualifier Mortgage

A mortgage where approval is based on the borrower’s liquid assets, such as savings, stocks, or retirement accounts, rather than regular income. This is tailored home financing at its best.

Foreign National Mortgages

Loans for non-U.S. citizens who want to buy property in the United States. Often with more flexible documentation requirements and is an mortgage for building equity in the United States of America.

ITIN (Individual Taxpayer Identification Number) Mortgage

A mortgage available to individuals who do not have a Social Security number but have an Individual Taxpayer Identification Number (ITIN).  A great non-conventional mortgage solution.

Delayed Funding Mortgage

A mortgage for buyers who paid cash for a property and want to take out a loan shortly after the purchase to reimburse themselves.  This allows for strategic mortgage decisions.

Interest Only Mortgages

A mortgage where the borrower pays only the interest for a set period, resulting in lower monthly payments during that time. This is one of our tailored home financing options.

One Time Close New Construction Loans & Rehab Fix and Flip Mortgages

One Time Close New Construction Loan

A loan that combines the construction financing and the mortgage for a new home into a single loan with one closing process. The homebuyer is qualified for the total mortgage when signing the purchase agreement even if the home is not yet built.

Rehab Fix & Flip Mortgages

Short-term financing used to purchase and renovate a property with the intention of selling it quickly for a profit.

Both these mortgages provide wealth-building opportunities

Get started today!

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

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