Bank Statement Loan
Great for self-employed borrowers or business owners who don’t show consistent income on tax returns. Instead of W-2s or tax documents, 12–24 months of bank statements are used to verify income.
Foreign National Loan
Designed for non-U.S. citizens who want to purchase property in the U.S. Borrowers do not need U.S. credit history or residency, with 25% down payment, foreign investors are loving this program to build equity in the US.
Construction Loan
A short-term loan used to finance the building of a new home. Funds are disbursed in stages as construction progresses. Once complete, the loan is often converted to a standard mortgage via a construction-to-permanent loan.
1099 Loan
Designed for independent contractors, gig workers, and freelancers, this program qualifies income based on 1099 forms rather than traditional documentation. Often includes flexible underwriting guidelines.
Profit and Loss Loan
Uses year-to-date and prior year P&L statements—usually prepared by a licensed tax preparer—to establish income. It's a viable alternative when tax returns understate actual earnings.
Renovation Loan
Combines the cost of purchasing or refinancing a home with funds for renovation or repairs. Options include FHA 203(k), Fannie Mae, and Freddie Mac making them perfect for fixer-uppers.
DSCR Loan
Tailored for real estate investors, this loan is approved based on the rental income of the property rather than the borrower’s personal income. A DSCR ratio above 1.0 typically qualifies. Our borrowers can qualify with 0.5 ratio.
Asset Depletion Loan
High-net-worth individuals are qualified based on the value of their liquid assets. A formula determines a monthly income equivalent based on total assets, which helps meet traditional income requirements.
ITIN Loan
Provides mortgage options to individuals without a Social Security number, using an Individual Taxpayer Identification Number. These loans support undocumented or non-resident individuals with verifiable income.