Loan Programs

• 5% Down Payment Hybrid-Jumbo Loans up to $1,070,000 purchase price. • Alternative Jumbo Loans that do not require income qualification. • Low-Rate Private-Client Jumbo Loans with exceptional rates. • Super Jumbo Loans over 5 Million, including products that do not require tax returns or traditional income qualification.

• 3% Down Payment Loans for First Time Home Buyers, including enhanced terms for those who meet income limits set by government sponsored agencies. • Traditional Conventional Loans. • Multifamily (2-4 units) Conventional Loans with 5% down for primary use.

• 3.5% Down Payment FHA Loans (including 4-unit multifamily). • 0% Down Payment Loans for Veterans. • 0% Down Payment Loans for Rural Properties with USDA. • Government Loans with sub-580 credit score, and manual underwriting available.

• Bank Statement Loans (Personal & Business). Qualify based on bank deposits. • P&L Only Loans. Qualify based on CPA prepared profit and loss statements. • DSCR Loans. Investment Property Loans with no income qualification. Qualify based on rental appraisal. • 1099 Only Loans. Qualify based on CPA prepared profit and loss statements. • WVOE Loans. Qualify based on verification of employment letter from your employer.

• Farm and Ranch Agriculture Loans with no traditional income qualification. These loans are underwritten to the income potential of the farm or Ranch. • Acreage and hobby farms allowed with no acreage limit, AG zoning allowed.

• Car Condo Loans, including financing for improvements. • Commercial Loans for acquiring Office Buildings, Retail Stores, Warehouses, Self Storage Buildings, and Auto Repair Shops. • Commercial Bridge Loans, including cash out. • Home Builder Construction Loans, and associated Development Loans.

• Jumbo and Traditional Construction Loans. • 0% Down Payment Construction Loans for Veterans.

• Bridge Loans (Residential and Commercial). • Fix & Flip Loans for investors looking to buy, rehab and sell homes. Renovation costs rolled into the loan. • Condo Hotel Financing / Unique Properties. • Lot Loans. • ITIN Loans to qualify without social security number. • Foreign National Loans for Investment and Second Home. • Foreign National, Work Visas, Treaty Visas, Student Visas, Diplomatic Visas, DACA, and EAD, OPT, CPT permits Allowed – No US credit required.