Our Programs

Whether you are lowering or increasing the interest rate on your first mortgage a debt consolidation cash out may be your best option. We analyze all your high interest credit cards, personal loans, HELOC’s, auto loans or any other excessive monthly payments and put together a solution to maximize your savings.

Our Simpler than Stated program allows us to use common sense underwriting. Our program is an ideal solution if you are self-employed, a small or cash business owner, retired, or have a unique situation. Financing is available for Primary and Secondary Homes and does not require Employment Verification or Debt to Income to be calculated. By qualifying based on your credit history and home equity this program is simpler than qualifying for a stated loan!

Qualify for an investment loan using your rental property cash flow or debt service coverage ratio (DSCR) where income documents are not required. The (DSCR) program is ideal for investors who do not want to provide personal income documentation or who are unable to qualify using traditional debt-to-income (DTI) ratios. Qualify based on your rent exceeding your total mortgage payment.

A HELOAN allows you to access the equity in your home without effecting your first mortgage interest rate. HELOAN's provide FIXED interest rates with flexible terms (10/15/20/30 years). Borrow up to $500,000 or 90% of your home's combined loan-to-value (CLTV). If your home is worth $750,000 and your existing mortgage is $500,000, a HELOAN can let you borrow up to $175,000. Income verification is required. Fast and easy closing!