From first-time homebuyers to investors and seniors—every loan type, explained clearly.
Conventional loans are not backed by the government and typically offer competitive rates for borrowers with strong credit and stable income.
Who it's for:
Buyers with good credit (620+) and a down payment of 3–20%.
FHA loans are government-insured and allow lower credit scores and smaller down payments, making them ideal for first-time homebuyers.
Who it's for:
First-time buyers or those with limited savings; credit scores as low as 580.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property’s rental income rather than your personal income—perfect for investors.
Who it's for:
Real estate investors who want to qualify based on rental income.
Reverse mortgages let seniors 62+ access their home equity without monthly mortgage payments. You retain ownership and can use the funds for retirement needs.
Who it's for:
Seniors 62+ who want to tap home equity without selling.
We work with self-employed borrowers using bank statements, profit-and-loss statements, and other flexible documentation to get you approved.
Who it's for:
Business owners, freelancers, and gig workers with non-traditional income.
Hard money loans are short-term, asset-based financing ideal for fix-and-flip investors or when you need to close quickly.
Who it's for:
Investors who need quick funding for acquisitions or renovations.
Commercial mortgages finance office buildings, retail, multifamily, and other income-producing or business-use properties.
Who it's for:
Business owners and investors purchasing or refinancing commercial real estate.
Not sure which loan is right for you?
Let's talk