FHA Loans
Purchase and refinance paths with flexible guidelines for qualifying borrowers.
Lower down payment · Primary homes
View Program →Mortgage Loan Programs
Find the right loan for your situation. Government-backed, conventional, and specialty mortgage programs across CA, CO, TX, FL, GA, NC, SC, TN, VA. Every borrower is different — I’ll find your best fit.
GOVERNMENT-BACKED LOANS
VA Loans
Zero down, no PMI for eligible veterans and active-duty service members.
$0 down · No PMI
View Program →USDA Loans
Zero-down options for eligible rural properties and income-qualified borrowers.
Rural eligibility · Income limits
View Program →CONVENTIONAL & JUMBO
Conventional Loan
Strong options for borrowers who fit agency guidelines with competitive terms.
W-2 & self-employed · PMI options
View Program →High-Balance Conforming
Financing above baseline conforming limits in designated high-cost counties.
County limits · Agency delivery
View Program →Jumbo Loan
High-value financing above conforming limits with multiple qualification paths.
$800K–$4M+ · Reserves matter
View Program →Jumbo Plus
Expanded jumbo options for qualified borrowers with stronger credit and liquidity.
High loan amounts · Investor specific
View Program →NON-QM & SPECIALTY
Bank Statement Loan
Qualify using deposits instead of tax returns for self-employed borrowers.
12–24 mo statements · Up to $4M
View Program →Business Owner Mortgage
Programs aligned to business cash flow and ownership structures.
Entrepreneurs · Documentation match
View Program →1099 Mortgage
Consultants and freelancers can qualify using 1099 income documentation.
1099 income · Non-W-2
View Program →Non-QM Loan
Alternative documentation loans outside a strict “qualified mortgage” box.
Alternative docs · Fit-based
View Program →P&L Only Loan
Business owners may qualify using a prepared P&L when permitted by guidelines.
Operator income · Investor rules
View Program →Asset Qualifier
Use documented assets to support qualification when income is asset-driven.
Reserves-based · Investor rules
View Program →Physician Loan
Designed for doctors transitioning into practice with unique employment considerations.
Medical professionals · Flexible structure
View Program →Fresh Start Home Loan
Paths for borrowers rebuilding credit and documentation strength — eligibility varies.
Credit rebuild · Program-specific
View Program →Foreign National Loan
Financing for non-U.S. citizens with investor-specific documentation requirements.
International · Investor rules
View Program →Interest-Only Loan
Cash-flow structured payments where permitted — understand the long-term plan.
Cash flow · Investor rules
View Program →DSCR & INVESTOR
DSCR Rental Property
Qualify from rental income with documentation focused on the property performance.
No W-2 · Investors
View Program →DSCR Short-Term Rental
Short-term rental income may qualify when documented to investor standards.
STR · Market dependent
View Program →HOME EQUITY
HELOC
Access equity with a revolving line — structure depends on lender and LTV.
Revolving · Second lien
View Program →Bank Statement HELOC
Self-employed equity access using bank statement documentation where available.
Self-employed · Equity access
View Program →OTHER PROGRAMS
Down Payment Assistance
Layer eligible assistance with qualifying first-lien financing when program rules allow.
First-time buyers · Eligibility rules
View Program →Construction Loan
Build or renovate with staged disbursements and a clear draw schedule.
Draws · Builder coordination
View Program →Reverse Mortgage
For eligible homeowners — counseling required — understand obligations and impact.
Seniors · Counseling required
View Program →2-1 Buydown
Lower payments early with a planned step-up — must match seller concessions and guidelines.
Temporary buydown · Seller concessions
View Program →Cash-Out Refinance
Tap equity for consolidation, investment, or renovation with clear LTV guidance.
Equity · LTV rules
View Program →Ready to Find Out Where You Stand?
No credit pull. No commitment. Just a straight answer on whether I can get you approved — and what it'll take.