Purchase Mortgage
We offer a wide range of purchase loan programs tailored to your income source, occupancy, and property type
Conventional [more info]
- Traditional full doc (tax returns, W2, 1099) income qualifying
- Conforming or non-qm (allows more flexible underwriting) mortgages
- Primary, Second Home, Investment Properties | 1-4 Unit
Jumbo [more info]
- Larger loan sizes: $750K - $10M+
- Many ways to qualify including conventional, statement, DSCR, and asset utilization
- Primary, Second Home, Investment Properties | 1-4 Unit
DSCR / Rental Income [more info]
- Use documented or appraised property income to qualify
- No tax returns or traditional sources of income needed!
- Investment Properties only | 1-4 Unit
Bank Statement [more info]
- Use gross deposits to personal or business bank accounts to income qualify
- No tax returns or traditional sources of income needed
- Primary, Second Home, Investment Properties | 1-4 Unit
Asset Utilization [more info]
- Use current liquid and semi-liquid assets to “income qualify"
- No tax returns or traditional sources of income needed
- Primary, Second Home, Investment Properties | 1-4 Unit
Alternative Income [more info]
- Use 1099s, Verification of Income, P&L, and other sources to qualify
- No tax returns or traditional sources of income needed
- Primary, Second Home, Investment Properties | 1-4 Unit
FHA | VA [more info]
- Traditional full doc (tax returns, W2, 1099) income qualifying
- FHA: up to 96.5% LTV with lenient underwriting / lower credit
- VA: active / retired military, lenient underwriting, up to 100% LTV
- Primary homes only | 1-4 Unit
MultiFamily & Mixed-Use [more info]
- 5-30 unit (multifamily & mixed-use) purchase mortgages
- Financing based on personal DTI ratio or property DSCR
- Loan sizes $200K - $5M+. Non-recourse and I/O available
Rehab | Fix&Flip | New Construction [more info]
- 2-4 unit (residential), 5+ multifamily / mixed use, & commercial
- Financing LTV and rates based on experience and loan size
- Loan sizes $75K - $5M+ | I/O | variable payoff terms
Commercial [more info]
- Flexible loan terms, credit, and structures
- Network of lenders/investors for large multifamily and many commercial property types
- Loan amounts $250K to $50M+
Work Visa, Foreign National, ITIN, Permanent / Non-Permanent Resident Aliens [more info]
- Permanent and Non-Permanent (work visa) residents are able to qualify for mortgages similar to US citizens
- Foreign National & ITIN can qualify using US credit, non-US credit and no credit mortgage programs
- Loan amounts up to $4M+ | 1-4 Unit