Non-QM & No-Income Options
Flexible loan programs for borrowers who don’t fit traditional guidelines, using alternative documentation such as bank statements, assets, or rental income instead of W-2s.
Reverse Mortgages
Designed for homeowners age 62+, allowing them to convert home equity into cash with no required monthly mortgage payments while living in the home.
FHA Loans
Government-backed loans with low down payment requirements and flexible credit guidelines, ideal for first-time and moderate-income buyers.
Conventional Loans
Standard mortgage loans not insured by the government, offering competitive rates for borrowers with strong credit and stable income.
USDA Loans
Zero-down payment loans for eligible rural and suburban homebuyers, backed by the U.S. Department of Agriculture.
Jumbo Loans
Financing options for high-value properties that exceed conventional loan limits, typically requiring stronger credit and financial reserves.
FHA 203k Loans
Renovation loans that combine purchase or refinance costs with home improvement expenses into one FHA-insured mortgage.
DPA Assist Programs (Forgivable & Non-Forgivable)
Down payment assistance programs that help eligible buyers cover upfront costs, offered as grants or low-interest secondary loans.