Loan Programs

A large variety of mortgage loans are offered to meet your needs whether it is for a starter home, a second home, a duplex, or an upscale luxury home that requires portfolio jumbo financing. Traditional income and employment documentation and low doc programs are available to qualified borrowers:

Low Down Payment Choices - 0 down, 3%, 5%, and 10 percent down home loan programs

Jumbo Loans  – Loans from $483,351 up to $5,000,000 

12 Months Bank Statements – for Self-Employed borrowers ONLY

Portfolio Niche Loans   – for Investors, Fix & Flips, Non-owner HELOCs, own 10 properties or more, No Job, Qualify with liquid assets, etc.

2 to 4 Unit Loans – Purchase and Refinance Options for Duplex, Triplex, and Fourplexes

Condo Loans – Mortgage financing for Condos (High-rise, detached, and Non-warrantable), Condotels.

1 Year Tax Return Mortgage - Excellent mortgage for self-employed & W2 salaried borrowers. See if you qualify.

No Income Verification / Low Doc – Can’t document your Income using tax returns? Use 2 bank statements (30% down payment or refinance with 30% equity)

Investor Lite Doc Loan – No job and No income disclosed. Qualify with Property Income and credit history.

FHA Streamline Refinance – Refinance with little cost – no income or job documentation

Zero Down Loans – up to 100% financing on 1 to 4 Units (Still Available!! Not Only  VA loans)

Vacation Home Mortgage - Paid all cash? refinance now or buy with 10% down. See if you qualify.

Foreign Nationals   various programs – for primary residence, vacation or a rental home. For Permanent Residents or Non-residents with or without a VISA.

FHA Rehab Loans – Purchase and fix-up the property with loan proceeds

Own an investment property for rental income – Homes, condos, or units.

No Closing Cost Home Loans – Pay Zero Closing Costs, Zero Points and a Low Rate

Cash Out Refinance  - Take some cash out of your home. You earned it!

Debt Consolidation – Consolidate your existing debts into a new refinance loan

Less than Perfect Credit with low credit scores, late payments? look into a low credit loan

Fixed Rate vs. Adjustable Rate Mortgages