Available Programs

All in your loan’s best interest.

Leveraging the ideal program for your individual financial scenario.
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Our promise:
E pluribus unum.

Much like the United States’ motto, we identity the ‘one program out of many’ that is most fitting, and economically sound, for your loan at hand:
Conventional Lending
Government Programs
Jumbo
Programs
Non-QM
Options

Conventional Loans

Issued by most lenders, our conventional, conforming loan programs offer structured funding within the limits overseen by the FHFA. These loans are best suited for single property or single family buyers with higher credit scores. However, buyers can still be eligible for conventional, conforming loans for residential buildings up to 4 units through our partnered lenders:

Government Programs

Sometimes, your best way home is with a government backed loan program. Our team facilitates the following government funding packages for our clients:

FHA Loans

With lower down payment requirements and reduced interest rates, FHA loans are best for families looking to purchase a primary residence on a budget, without strict requirements for credit score or financial standing.

VA Loans

These loans were created specifically for current and past members of the U.S. military who meet the minimum requirements for time in active duty. The minimum depends on which time period they served.

USDA Loans

The USDA offers a guaranteed loan program for low- and moderate-income families in eligible rural areas. With no money down for those who qualify, this program ensures safe, affordable homes for families.

Jumbo Loans

When buyers are looking for conventional loan benefits, without maximum amount restrictions, our jumbo loan program is just the ticket. These types of loans are ideal for residential buildings in upper-middle and upper-class tax brackets. If you’re shopping for your dream home, a jumbo loan may be the right fit for you.

Non-QM Options

For borrowers with financial profiles that don’t meet requirements for a typical mortgage(ex. existing debt, recent bankruptcy, alternative income documentation, etc.), our funding experts can help navigate the interest rates and payment requirements of a non-QM loan.

DSCR Loans

This type of loan works well for borrowers with a healthy debt service coverage ratio, which is equal to a person’s monthly rental income divided by their principal, interest, property taxes, insurance, and association dues (PITIA).

No-Ratio Loans

No-ratio mortgages are a great fit for people who are currently dealing with larger debt-to-income ratios. These funding types do not require borrowers to disclose their income or debt levels in order to qualify for a loan.

Bank Statement Loans

We work with lenders that allow borrowers to qualify for a mortgage using their personal or business bank statements, rather than their tax returns. This can be a great funding solution for self-employed borrowers.

1099 and P&L Loans

Similar to statement loans, 1099 or Profit & Loss mortgages are a great solution for self-employed workers and businesses that make more expense claims. This allows borrowers to use other documents to qualify.

Custom Alt Loans

Need an unconventional, creative loan package?

Our funding experts can even source loan opportunities that qualify borrowers based on multiple alternative support documents. This is especially helpful for clients looking for larger loan amounts.

RateWatch

Now’s not the right time?

Our RateWatch program tracks what matters to your loan, so you get notified when things change to your benefit.
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Opportunities include:
  • Reduce Your Monthly Payments
  • Shorten Your Amortization Years
  • Refinance a Floating Rate Loan
  • Time Your Home Listing Perfectly
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Registered Mortgage Broker New York State Department of Financial Services. Mortgage Broker Licensed by the
New Jersey Department of Banking and Insurance.Licensed Mortgage Broker CT, PA, FL, and AZ Banking Departments.
Loans arranged through third party providers. NMLS ID 12345
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