More programs. More ways to solve the loan.
As both a mortgage broker and lender, I can compare broad wholesale options and fund eligible loans in our own name — whatever fits your transaction best.
Broker flexibility
Compare programs across a broad panel of wholesale lender relationships when the best answer may be outside one institution's credit box.
Our lending channel
Fund eligible loans in our own name when a more coordinated execution path fits the transaction.
Home purchase & government
Conventional
Conforming options for qualified primary-home, second-home and investment-property buyers. Explore Conventional loans →
FHA
Government-insured financing that may offer flexible credit and down-payment requirements. Explore FHA loans →
VA
Purchase and refinance benefits for eligible service members, veterans and qualifying surviving spouses. Explore VA loans →
USDA
Eligible rural and suburban financing subject to property and household-income requirements. Discuss this program →
First-time homebuyer
Conventional and government options plus eligible down-payment-assistance paths. Explore First-time homebuyer loans →
Manufactured housing
Financing options for eligible manufactured homes and qualified borrowers. Discuss this program →
Jumbo & specialty purchase
Jumbo
Financing above conforming limits, including solutions for complex income and asset profiles. Explore Jumbo loans →
Doctor & professional
Eligible professional programs that may provide specialized qualification or down-payment structures. Explore Physician loans →
Foreign national
Select financing paths for qualified non-U.S. citizen real-estate buyers. Discuss this program →
Asset depletion
Programs that may use eligible verified assets to help calculate qualifying income. Discuss this program →
Non-warrantable condo
Specialty review paths for eligible condo or condotel projects that do not fit standard agency rules. Discuss this program →
Bridge & departing residence
Strategies that may help you buy before you sell. Discuss this program →
Land & lot
Select financing options for eligible residential land and future-build scenarios. Discuss this program →
Self-employed & non-QM
Bank statement
Alternative-documentation programs using eligible personal or business bank statements. Discuss this program →
Profit and loss
Select programs that may evaluate a qualified self-employed borrower using a prepared P&L. Discuss this program →
1099 income
Alternative qualification paths for eligible independent contractors and 1099 earners. Discuss this program →
One-year income documentation
Select solutions for borrowers with qualifying shorter employment or self-employment histories. Discuss this program →
Recent credit events
Potential financing paths after eligible bankruptcy, foreclosure, short sale or other credit events. Discuss this program →
ITIN borrowers
Specialty review paths for eligible borrowers using an Individual Taxpayer Identification Number. Discuss this program →
Investors & business purpose
DSCR
Business-purpose programs that may qualify based primarily on eligible property cash flow. Discuss this program →
No-ratio investor
Select investment programs that may not calculate a traditional debt-to-income ratio. Discuss this program →
Portfolio loans
Flexible investor solutions for multiple financed properties or nonstandard scenarios. Discuss this program →
Small-balance multifamily
Financing paths for eligible smaller apartment buildings and rental portfolios. Discuss this program →
Fix and flip
Short-term business-purpose financing for eligible acquisition and renovation projects. Discuss this program →
Short-term rental
Select DSCR and investor solutions for eligible vacation or short-term rental properties. Discuss this program →
Commercial and mixed use
Referral and lender-network solutions for eligible commercial or mixed-use properties. Discuss this program →
Home equity & refinance
Rate-and-term refinance
Replace an existing mortgage when the structure supports your goals. Explore refinance options →
Cash-out refinance
Access eligible equity through a new first mortgage, subject to underwriting. Discuss this program →
HELOC
Revolving home-equity lines for qualified borrowers and eligible properties. Explore HELOC options →
Home-equity loan
Fixed second-lien options that may preserve an existing first mortgage. Explore second mortgages →
Debt consolidation
Evaluate mortgage and home-equity strategies alongside total costs and financial goals. Discuss this program →
Reverse mortgage
Referral or lender-network solutions for eligible homeowners seeking reverse-mortgage options. Discuss this program →
Construction & renovation
Ground-up construction
Financing paths for eligible owner-occupied and investment construction projects. Discuss this program →
One-time close
Select construction-to-permanent options designed to combine eligible phases into one financing structure. Discuss this program →
Renovation
Programs that may combine an eligible purchase or refinance with improvement financing. Discuss this program →
FHA 203(k)
Government-insured renovation financing for eligible borrowers, properties and improvements. Discuss this program →
Construction investor
Business-purpose acquisition and construction solutions for qualified builders and investors. Discuss this program →
ADU financing
Potential renovation, construction and home-equity strategies for eligible accessory dwelling projects. Discuss this program →
Not every program is available in every jurisdiction or through every channel. Some products may be brokered to a third-party lender, funded through our correspondent lending channel, or facilitated by referral where permitted. Program terms, lender participation and eligibility may change without notice. All loans are subject to application, credit approval, property review, underwriting requirements and applicable law. This is not a commitment to lend.
Questions about any program? Call (510) 655-2868 or get a quote.