We offer all types of residential and commercial mortgage financing throughout the U.S., but we focus on a few select mortgage products. For residential mortgage loans, we specialize in helping the self-employed and those in need of aggressive jumbo and super jumbo rates, and our commercial financing options include a full range of loan programs, but we specialize in SBA 504 Loans.
We offer residential mortgage loans for the self-employed for the purchase or refinance a primary residence or a second or vacation home, and we are able to help many of those who don't fit into the loan programs currently offered by most mortgage lenders.
Commercial Loans and SBA 504 Loans
Our Commercial Lending Division offers excellent rates for SBA 504 Loans and Commercial Loans including financing for Large Multi Family Projects and we offer permanent financing for Hotels, Offices and Industrial. We also have access to a few conduits that offer stated income commercial loans.
Featured Articles:
Refinance a Low Rate Mortgage...why would you do that?" - Top 10 Reasons to refinance a low mortgage rate.
The 20 Year Fixed Rate Mortgage - The least popular, best mortgage you need to consider.
Stated Income Loans - The New (Old) Rules - Common sense has returned to stated income underwriting.
We are a Nationwide Direct Lender
As a direct lender we will underwrite, close and fund most loans ourselves. Our strength comes from the fact that we are not a huge call center staffed with inexperienced customer service representatives. We are professional, knowledgeable and responsive, we will give you straight answers and we will not waste your time. We will give you accurate rate information and quote you realistic time frames for loan approval and closing.
Loan programs:
- Stated Income Loan (Agency) - These are "stated income loans" that are sold to one of the Goverment Sponsored Agencies (otherwise known as Fannie Mae or Freddie Mac). The loans allow stated income and stated assets.
- Interest Only Mortgage Loans - there are many interest only mortgage loans available, but the 30 year fixed with the 10 year interest only option is the most popular.
- 97% Financing - Zero down mortgage loans are no longer available. 3% is now the minimum down payment with private mortgage insurance. PMI is now tax deductible for most borrowers making these loans more attractive.
- Super Jumbo Loans to $2,500,000 - Super Jumbo mortgage loans for the extremely well qualified.
- Super Jumbo Mortgage Loans for the Self Employed - Super jumbo mortgage loans for the self employed up to $2,000,000.
- Renovation and Remodeling Loan - the renovation loan is for a major renovation or remodel, rehab or tear down and rebuild. Principal residences and second homes only. No Investment properties.
- Construction-to-Permanent Loans - this a mortgage loan that enables you to buy a lot, build a home and get permanent financing all in one loan.
- Commercial Hard Money Loans - we have access to Commercial Hard Money Lenders if you are need of a quick closing on a commercial loan.
- No Income Verification Loans - this loan is similar to a stated income loan and it is only for those who have a proven ability to handle their financial obligations.
- Stated Income Loans - stated income mortgage loans are primarily for the self employed and require high FICO scores, excellent credit, excellent assets and a stellar track record of managing your debts.
- Stated Income Commercial Loans - stated income commercial loans are still available. We have a few excellent resources for these loans.
Some loans are not available in all states. Home mortgages and commercial loans subject to credit review and approval.
