VA Home Loans

Guaranteed by the U.S. Department of Veterans Affairs.

Reverse Mortgages

For homeowners to leverage the equity in their home.

Refinancing

Replace your current home loan with a new one.

Prime Jumbo and Super Jumbo Mortgages

For high-income earners who make $250,000+ a year.

Fixed-Rate Mortgages

Offers predictability for your budget.

FHA Home Loans

Popular for first-time homebuyers.

Conventional Mortgages/Conventional High Balance

A loan not guaranteed or insured by the federal government.

Self Employed Loan Programs

For 1099 recipients, P&L users or qualify using assets.

Bank Statement Programs

See how you can qualify without having to show tax returns.

Investor DSCR or Rental Income Loans

Perfect for investors who want tenant rent to cover mortgage.

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Investor using Rents Only to qualify

These loans are perfect for the real estate investors who want their tenants rent payments to cover the mortgage.

Are you purchasing or refinancing?

Mortgage programs for first home buyers, bank statement, 1099, DSCR, or cashout refinance.

Refinance

Purchase

Need help? Call 833-782-8369

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1099 Only

The perfect solution for the 1099'd professional. Realtors, Insurance Pro's, Physicians, Attorneys in private practice, Independent contractors of any sort, who are 1099'd can benefit from this program. It's even easier than the bank statement program as it streamlines the paperwork requirement. Simply provide your last two years 1099's and we use that to calculate income and demonstrate your ability to repay. It's easy! There are of course a few other items required but still much less documentation than any full doc conventional experience.

P & L Only

This is the perfect loan for a business owner, who wants to use the P & L from their business instead of producing bank statements and it is as simple as it sounds. With a CPA prepared P & L we can calculate your income and qualify you, without tax returns, bank statements or 1099's. And it can be used to purchase or refinance, both owner and non-owner properties with ease. These tend to be perfect for retailers, online merchants, small to medium size business owners of any kind!

Sufficient Asset Qualification

This program is perfect for the long time saver, who doesn't currently have qualifying or regular income. If you have enough assets to cover the entire amount of your mortgage and a certain multiplication of your monthly expenses, then you can qualify without having to explain income, show tax returns or produce a bunch of statements. And you are not leveraging your assets to do it.

What is an investor DSCR loan?


These are known as investment property loans. This one is quite easy to understand and makes a lot of sense. Simply put, if the rents cover the mortgage, you’re good to go!

Example: An investor purchases a single-family home, putting down 20% with the intention of renting the home out. The payment, including principal, interest, taxes and insurance is $1,000 and the market rents for a property like this one is $1,150. That investor does not need to prove Income to qualify. The rents cover the mortgage.


  • Purchase SFR to 80% using this DSCR program.

  • Purchase multi-unit properties to 75% using this DSCR program

  • Get cash out on your investment properties to expand your real estate holdings

  • Loan amounts up to 3 million on purchases and cash out refinances

  • Faster Easier qualifications

Have any questions? Call us!

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About

VA Home Loans
Reverse Mortgages
Refinancing
Prime Jumbo and Super Jumbo Mortgages
Fixed-Rate Mortgages
FHA Home Loans
Conventional Mortgages/Conventional High Balance
Self Employed Loan Programs
Bank Statement Programs
Investor DSCR or Rental Income Loans

Loan Options

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