“I want to use my home’s equity to consolidate debt.”

“I’m a Veteran looking for a Lower Interest Rate.”

“I want to reduce the Interest Rate on my loan.”

“I want to use the equity in my home to buy an investment property."

“I’m looking to Lower the Interest Rate or Term on my FHA Loan.”

“I want to reduce the term of my loan.”

“I want to keep my Interest Rate, but get Cash from my Home Equity.”

Conventional Loan

PERFECT FOR:
Strong Credit, Documented Income.

Ideal for borrowers with strong credit, stable income, and the ability to make a down payment, often appealing to those looking for a more traditional mortgage product.

FHA Loan

PERFECT FOR:
First Time Home Buyers, Limited Down Payment, Lower Credit Scores.

Best suited for first-time homebuyers or those with lower credit scores and minimal savings for a down payment, offering easier qualification criteria.

Bank Statement Loan

PERFECT FOR:
Self Employed Individuals.

A Bank Statement Loan allows borrowers to use their business or personal bank statements instead of traditional income documentation to prove their ability to repay. It's a flexible option for those with variable income streams.

Asset Depletion Loan

PERFECT FOR:
Borrowers with significant assets but limited income.

This loan is tailored for borrowers with significant assets but limited income. It calculates loan eligibility based on the liquidation value of assets over a specified period, offering an alternative path to financing for asset-rich individuals.

Debt Service Coverage Ratio (DSCR) Loan

PERFECT FOR:
Financing Investment Properties with No Income Documentation.

The DSCR Loan focuses on the property’s cash flow potential rather than the borrower's personal income. It's ideal for investors, using the rental income to determine loan eligibility and allows you to close in a business entity name.

Investment Property Loan

PERFECT FOR:
Purchasing rental or investment properties.

This loan is geared towards borrowers looking to generate income through real estate investments. It typically requires a higher down payment and allows future potential rental income to be used to qualify.

Second Home Loan

PERFECT FOR:
Vacation or secondary residence.

These loans often have favorable interest rates but may come with specific requirements regarding the location and use of the property.

Short Term Rental Loan

PERFECT FOR:
Properties listed on platforms like Airbnb.

This loan is for purchasing or refinancing properties intended for short-term rentals. It takes into account the larger than market average potential rental income from a short term rental to be used for qualification.

Super Jumbo Loan

PERFECT FOR:
Financing high-value properties.

Super Jumbo Loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They are ideal for luxury properties or expensive housing markets, often requiring extensive documentation and a substantial down payment.

Cross Collateralization Loan

PERFECT FOR:
Higher Leverage amongst Multiple Properties.

This type of loan involves using more than one property as collateral for a single loan. It's particularly useful for borrowers who need to secure financing for a new property but haven't yet sold their existing property, leveraging multiple assets for loan approval.

Hard Money Loan

PERFECT FOR:
Investors looking to purchase and renovate properties quickly.

These loans are often easier to qualify for but come with higher interest rates and shorter repayment terms, focusing more on the property’s value rather than the borrower's creditworthiness.

Bridge Loan

PERFECT FOR:
Borrowers using their Equity from their current home to buy a new home.

Short-term financing options used to bridge the gap between immediate financing needs and longer-term solutions. Often used in real estate transactions, these loans allow borrowers to purchase a new property before selling their current home, providing fast, temporary funding.

Debt Consolidation Loan

PERFECT FOR:
Lower Monthly Expenses by paying off Debt.

Combines multiple debts into a single loan with one monthly payment. Can potentially offer lower interest rates, making it easier to manage and pay off debt.

Interest Rate Reduction Loan

PERFECT FOR:
VA Loan Holders with Higher than Market Interest Rate.

This loan is specifically designed to lower the interest rate on an existing loan. It's beneficial for borrowers seeking to reduce monthly payments and save on total interest costs over the life of the loan.

FHA Streamline Refinance

PERFECT FOR:
FHA Loan Holders with Higher than Market Interest Rates.

This refinancing option offers a simplified process with minimal paperwork. It's an efficient way to reduce interest rates and monthly payments without using income documentation or property appraisal.

Conventional Refinance

PERFECT FOR:
Homeowners looking to reduce Interest Rates, Loan Terms, or Cash out their home.

 A Conventional Refinance replaces an existing mortgage with a new loan, potentially at a lower interest rate or different term.

Cash-Out Refinance

PERFECT FOR:
Homeowners.

This refinance option allows homeowners to take out a new mortgage for more than they owe and receive the difference in cash. It's useful for accessing home equity to cover large expenses or consolidate debt.

Home Equity Line of Credit (HELOC)

PERFECT FOR:
Homeowners.

A HELOC is a revolving line of credit secured by the equity in your home. It allows homeowners to borrow against their equity as needed, offering flexibility for ongoing expenses or projects.

Term Reduction Refinance

PERFECT FOR:
Higher Income Borrowers seeking to pay off Mortgage.

This refinancing option involves replacing an existing mortgage with a new loan that has a shorter repayment term. It's designed for borrowers looking to pay off their mortgage faster and save on interest costs over the life of the loan.