From first-time buyers to self-employed business owners, we structure financing around your real financial picture — not a one-size-fits-all box.
Every borrower is different. Here are the core programs we work with most.
Built for physicians and high-earning medical professionals: purchase a single-family home up to $2 million with zero down payment. Qualifying terms depend on credit score and income. Keep your capital working while you buy the home you want.
The most common path for buyers with steady income and solid credit. Competitive rates, as little as 3% down for qualified first-time buyers, and no upfront mortgage insurance.
For business owners and self-employed borrowers whose tax returns don't tell the whole story. We qualify you using 12–24 months of bank deposits instead of W-2s or tax returns.
Condos are our specialty — condo hotels, short-term rental units, warrantable and non-warrantable, Non-QM, and FHA/VA-approved projects. When other lenders pass on a condo, we find the financing. Work with the experts.
Financing for newly built and pre-construction condos, including projects still in their warranty or sell-out phase that traditional lenders shy away from. We know how to get these closed.
For real estate investors: qualify based on the property's rental income, not your personal income. No tax returns, no pay stubs — the deal stands on its own cash flow.
For asset-rich borrowers, we can qualify you on your wealth rather than monthly income. We convert your liquid assets into qualifying income — ideal for retirees and high-net-worth buyers.
Financing above conventional limits for higher-value homes, with structures tailored to strong-credit borrowers and competitive terms.
Lower your rate, shorten your term, or tap equity. We'll run the numbers honestly and only recommend it when it actually serves you.
A 15-minute conversation is usually all it takes to map the right path. No pressure, no obligation.