Services

our services

Funding of array of loan for purchasing residential property, refinance, new Construction and loans for investors and builders.

Construction Loan

Financing designed to cover the cost of building a new home or major renovation projects, released in stages as construction progresses.

Jumbo Loan

Loans that exceed conventional lending limits, perfect for financing luxury homes or high-value properties.

QM (Qualified Mortgage)

 Traditional mortgage that meets government lending standards, offering predictable payments and strong consumer protections.

FHA / VA / USDA Loans

Government-backed programs with low down payments:

FHA – easier qualification for first-time buyers.

VA – exclusive benefits for veterans and active-duty military.

USDA – rural housing loans with zero down payment.

Adjustable Rate Mortgage (ARM)

 Loan with an initial low interest rate that adjusts periodically based on market conditions, ideal for short-term homeowners.

P&L (Profit & Loss Loans)

Designed for business owners, qualifying borrowers based on business profit & loss statements instead of tax returns.

Fix & Flip Loan

 Short-term funding for investors buying, renovating, and quickly reselling properties for profit.

Rental Loan

 Tailored for real estate investors purchasing or refinancing rental properties, with flexible terms and cash-flow focus.

DSCR (Debt Service Coverage Ratio Loan)

Investor loan that qualifies based on rental income instead of personal income, great for building a rental portfolio.

CDFI Loan (Community Development Financial Institution)

Special financing programs supporting underserved communities and borrowers who may not qualify through traditional banks.

Bank Statement Loan

 Perfect for self-employed borrowers, using 12–24 months of bank statements to prove income instead of tax returns.

DSCR (Debt Service Coverage Ratio Loan)

 Home loan options for borrowers without Social Security Numbers or non-U.S. citizens looking to purchase property in the U.S.

Alt-Doc Loan (Alternative Documentation Loan)

Flexible mortgage using alternative income documentation such as assets, contracts, or employment letters.

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