Our dynamic leadership team with an average of 20 years of expertise at its helm. Committed to delivering responsible home financing solutions across the communities we serve, we strive to create an outstanding experience for you and your clients. Partner with us to help your clients realize their dream of owning a home or seize today’s real estate investment possibilities.
This flexible income documentation program offers multiple paths to qualification—whether through P&L Only, 1-Year 1099, or Written Verification of Employment (WVOE). With loan amounts up to $3,000,000, up to 85% LTV, and a minimum credit score of 640, it’s ideal for borrowers purchasing or refinancing investment properties, including up to 4-unit residences. Designed to accommodate non-traditional income earners, this program simplifies the approval process without sacrificing loan size or property type.
For investors targeting the short-term rental market, our Investor Advantage 7/6 ARM with a 5-Year Prepay offers tailored flexibility. Whether you prefer a standard amortizing structure or an interest-only (I/O) option, this program is designed to align with your cash flow goals.
Designed for flexibility, this No Ratio loan program offers interest-only payments and requires no income documentation, making it ideal for borrowers with complex financial profiles. With loan amounts up to $2,500,000, 70% LTV, and cash-out options available up to $1,500,000, this solution is perfect for those looking to unlock equity or expand their real estate portfolio without the hurdles of traditional underwriting.
For self-employed borrowers seeking non-traditional documentation options, our bank statement mortgage loans offer flexible solutions. Alternative documentation for self-employed individuals: No need for 4506-C forms or tax returns, maximum Debt-to-Income (DTI) ratio of 50%. Qualification based on personal or business bank statements. Gift funds permitted for primary residences and second homes. Non-QM waiting periods apply for adverse credit events. PITIA reserves required solely for the subject property.
