Loan Types We Offer

The most common loan type, ideal for borrowers with strong credit and stable income. Conforming loans meet Fannie Mae and Freddie Mac guidelines, offering competitive rates and flexible terms.

For properties in high-cost areas like California where purchase prices exceed standard conforming limits. Enjoy conventional loan benefits with higher loan amounts.

Government-backed loans with lower down payment requirements — as little as 3.5%. Great for first-time homebuyers or those with less-than-perfect credit.

Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses. No down payment required, no PMI, and competitive interest rates.

Small Business Administration loans for business owners looking to purchase commercial real estate or refinance existing business property.

Non-Qualified Mortgage loans for borrowers who don't fit traditional lending criteria. Flexible underwriting for unique financial situations.

Qualify using 12–24 months of personal or business bank statements instead of tax returns. Perfect for self-employed borrowers whose tax returns don't reflect true income.

Debt Service Coverage Ratio loans qualify based on the rental income of the property — not your personal income. Ideal for real estate investors.

Traditional full-documentation loans using W-2s, tax returns, and pay stubs. Typically offer the best rates for borrowers with straightforward income documentation.

Qualify using a CPA-prepared Profit & Loss statement instead of full tax returns. A streamlined option for self-employed borrowers with a clean P&L.