Whether you’re self-employed, an investor, a physician, a professional athlete, or a high-net-worth borrower — or it’s your first time buying and you don’t know where to start — we structure financing around your complete financial picture, not just conventional lending guidelines.
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.
Learn more →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.
Learn more →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.
Learn more →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.
Learn more →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.
Learn more →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.
Learn more →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.
Learn more →Financing above conventional limits for higher-value homes, with structures tailored to strong-credit borrowers and competitive terms.
Learn more →Lower your rate, shorten your term, or tap equity. We'll run the numbers honestly and only recommend it when it actually serves you.
Learn more →A 15-minute conversation is usually all it takes to map the right path. No pressure, no obligation.