Conventional Mortgages
Variety of fixed- and adjustable-rate options
Down payment of less than 20% requires mortgage insurance
Available for primary residences, second homes, and investment properties
DTI of less than 50%
FICO as low as 620
Cash-out permitted
Bank Statement Fixed Rate Loans
24 months of statement options
No tax returns
Loan amounts up to $3.5 Million
FICO as low as 640
Gift funds allowed for reserves
Primary, Second Home, Investment Properties
VA Fixed Rate Loans
VA Loans service veterans, services members and surviving spouses to purchase a home and refinancing a current mortgage. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.
Available for active duty, veterans, reservists, and surviving spouses
Down payment is not required for eligible borrowers
Fixed- and adjustable-rate options
Funds allowed for down payment or closing costs
One-time Funding Fee required (unless exempt) and no monthly mortgage insurance
Available for primary residence only
DSCR program
No sourcing required for large deposits
Private-party mortgage? No proof of payments? We only require a VOM
Multiple properties owned? We only need details on the subject property
Up to 80% LTV on 2–4 unit properties
Fewer conditions. Faster reviews. A smoother path to closing.
100% gift funds allowed
Built to reduce friction and eliminate unnecessary conditions.
Call 949-423-9655
Home Equity Line of Credit (HELOC)
A home equity line of credit, also known as a HELOC, is a line of credit secured by a borrower’s home that gives them a revolving credit line. It is a second mortgage designed for homeowners who want to borrower money against the equity they have built up in their home without touching their primary mortgage. The remaining term will be fully amortized payments. If principal payments are made during the draw period, the borrower still has access to the full line of credit during the draw period. Below are some highlights of this program:
Minimum FICO score of 640
Minimum line amount $25,000
Maximum line amount of $500,000
10-year interest only draw period
Jumbo Fixed Rate Loans
Jumbo Loans are designed to help you purchase or refinance a home that is outside of standard lending limits. Jumbo mortgages are available for primary residences, second or vacation homes, and investment properties.
Qualify based on cash flow of the subject property
Refinance, Primary Residence, Second Homes, and Investor Properties
FICO as low as 680
Loan amounts up to $3 Million
4 years since bankruptcies
Investment Property Fixed Rate Loans
Our investor loans are designed for borrowers seeking a mortgage for an investment property. Investment Property mortgage loans are also called DSCR loans (Debt Service Coverage Radio). The DSCR or Investment Property loan program qualifies borrowers based on cash flows from the subject property and is designed for both experienced real estate investors and first-time investors provided certain qualifications are met.
Qualify based on cash flow of the subject property
Single Family | 2-4 Units | Warrantable and Non-Warrantable Condos
FICO as low as 660
Qualify for an I/O loan using I/O payment
Loan amounts up to $3 Million
Borrower can own unlimited financed properties
TIN Loans
ITIN (individual taxpayer identification number) mortgage loans are designed for individuals living and working in the US without a Social Security number. are some highlights of this program:
Borrower(s) must show sufficient income
Must be consistently employed for at least 24 months
For primary residence only
Available for both purchase and refinance
Gift funds allowed for purchases
Minimum loan size $100,000
FHA Fixed Rate Loans
FHA loans are government-backed mortgages insured by the Federal Housing Administration (FHA). The loan programs permit smaller down payments to assist with first-time ownership and permitting lower credit scores than conventional mortgage loans. Not everyone qualifies for a FHA loan. Good for first time home buyers
Higher debt-to-income ratios allowed
FICO as low as 500
Down payment of 3.5% required for purchases
BRE#01280866
NMLS#319590