Home / Loan Options

Loan Options

Business-purpose and investor financing first — DSCR, bridge, fix-and-flip, and portfolio loans structured around the deal. Owner-occupied purchase, refinance, and HELOC options too.

Qualify on cash flow

DSCR & Investor

Built for real-estate investors. Qualify based on the property’s rental income (debt-service coverage ratio) instead of your personal tax returns — so you can scale without the paperwork ceiling.

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  • ✓  No personal income/DTI required
  • ✓  Qualify on the property’s cash flow
  • ✓  LLC / entity vesting welcome
  • ✓  Portfolio & multi-property friendly
Short-term & commercial

Commercial & Bridge

Short-term bridge financing and commercial real-estate options for investors and businesses ready to move quickly and scale.

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  • ✓  Bridge financing for quick moves
  • ✓  Commercial real-estate structures
  • ✓  In-house underwriting for speed
  • ✓  Flexible terms for investors
High-balance financing

Jumbo Loans

Flexible financing above conforming limits for luxury and higher-priced homes, with competitive rates and underwriting tailored to your full financial picture.

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  • ✓  Loan amounts above conforming limits
  • ✓  Competitive fixed & ARM options
  • ✓  Tailored underwriting for complex income
  • ✓  Primary, second-home & investment
Conventional, FHA, VA and USDA

Home Purchase

Whether it’s your first home or your fifth, we match you to the right purchase loan. Low-down-payment options (as little as 3%), first-time buyer programs, and 0%-down VA/USDA for those who qualify.

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  • ✓  As low as 3% down (Conventional) / 3.5% (FHA)
  • ✓  0% down for eligible VA & USDA buyers
  • ✓  First-time buyer & down-payment assistance
  • ✓  Fast pre-approval to strengthen your offer
Rate-and-term & cash-out

Refinance

Lower your rate, shorten your term, drop mortgage insurance, or tap your equity with a cash-out refinance — structured around what you’re trying to achieve.

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  • ✓  Lower your monthly payment
  • ✓  Shorten your term to build equity faster
  • ✓  Cash-out for renovations or consolidation
  • ✓  Remove PMI when you’ve built equity
Put equity to work

HELOC & Home Equity

Access your home’s equity for renovations, debt consolidation, tuition, or your next opportunity — with flexible draw and repayment structures.

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  • ✓  Flexible line-of-credit access
  • ✓  Fixed home-equity loan options
  • ✓  Competitive rates on your terms
  • ✓  Use for renovations, consolidation & more

Not sure which fits?

Tell us your goal and we’ll recommend the right program — free, no obligation.

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