Specialty Loans

1 

Non-QM Loan

There are many situations where traditional methods of income documentation don't allow self-employed borrowers to qualify for a home loan. Non-QM products include loans that use bank statements, large assets, or profit and loss statement instead of tax returns. They also allow options for less-than-perfect credit, foreign nationals with no credit, or borrowers with a past bankruptcy. 

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Renovation

Sometimes homes are sold at an amazing price because they need work, and sometimes you love your home but a growing family means you need to update or expand. Renovation loans  allow you to finance the cost of repairs based on the future value of the home. Funds are released as draws to the contractor as the work is done. 

3

New Construction

We can help you finance the land, the new build house, or both at the same time. Whether you are buying in a development from a national builder, designing your custom dream home, or installing a prefabricated home, new construction has additional steps the lender needs to be aware of to keep your loan moving smoothly and on schedule. 

4

Doctor's Loan

Available for any medical doctor, including residents, dentists and veterinarians, doctor's loans offer some amazing benefits. Down payment as low as 0% with no mortgage insurance. Generous debt-to-income limits allow medical professionals to ignore student loan debt. 

4

Reverse Mortgage

A mortgage for homeowners age 62 and over. A reverse mortgage can be used to purchase or as a cash-out refinance, and results in no monthly payments. 

4

Bridge Loan

When you have a home to sell before you can buy the next home, there are options besides a rushed contingent offer.  A bridge loan gives the opportunity to use the equity from the home to sell, freeing up cash for the down payment with out forcing you to move out immediately.