Loan types


Great location / older home
Finance all renovations into purchase price
of new home
Securing your investment in a rapidly appreciating market
Peace of mind with no out of pocket cost
Developers, Contractors, Investors
Financing for commercial, retail, or multi-unit developments.
Renters looking to own
Get into a home with minimal costs
Aged 62+ homeowners
Pays you to live in your home
New or existing energy efficient improvement
Reduces the borrowing costs of improvements
Self-employed borrowers
Allows for qualification off of non-traditional income
Home purchases $475k–$738k
Keep your hard earned money in the bank
Borrowers with FICO scores between 680-720
Stop paying PMI, pay your loan down faster
Experienced homeowners ready to build
Flexible financing options for a variety of construction needs
Medical professionals
Higher loan amounts with low down payments


Home Renovation Loan

  • Works with luxury items, (outdoor gourmet kitchen, new swimming pool)
  • Finance all repairs/upgrades into your 30 year loan, with low interest rate. (As opposed to high interest rate credit cards, HELOC, etc.)
  • Available with as little as 3%* down of the finished value
  • Concerns about housing price bubbles pull many homebuyers out of the market
  • Mitigating that risk opens that segment of the market
  • This product protects a buyers’ hard earned money, against unforeseen market turns.

Down Payment Protection —EquityProtect

  • Concerns about housing price bubbles pull many homebuyers out of the market
  • Mitigating that risk opens that segment of the market
  • This product protects a buyers’ hard earned money, against unforeseen market turns.
  • Works on refinance as well – allows you to take advantage of historic home values and pull money out, while still protecting your hard-earned equity.
  • Costs are included in applicable mortgages – (no additional out of pocket costs)

Commercial Lending

  • Commercial Projects
  • Acquisition and Development
  • Multi-Family Units (Apartments / Condos/
  • Retail Spaces
  • Community Development
  • Horizontal Build-outs

No Down Payment

  • Keep your money in the bank, finance the entire amount of your home, including closing costs.
  • Option for a soft-second – meaning you don’t make a payment on the second mortgage and after 36 months of on-time payments on the primary mortgage, the second is forgiven.
  • Available to prior homeowners.
  • Also available for non-occupant co-borrowers.

Reverse Mortgage

Designed specifically for homeowners and homebuyers age 62 and older, it could help you:
  • Dramatically lower your monthly mortgage payments
  • Consolidate auto loans and high-interest credit card debt, and reduce your bills
  • Improve monthly cash flow
  • Establish a standby line of credit you can tap into as needed
  • Gain payment flexibility, for more financial control
  • Fund large purchases like a new automobile
  • Assist a grandchild headed off to college
  • Fund major home renovation projects
  • Buy a home that better suits you

Energy Efficiency Loan

  • Consolidate high-interest rate loans into your 30 year fixed mortgage with one low rate
  • Finance energy efficient improvements up to 15% of your home’s value
  • Can be used to make repairs or preparations for natural disasters
  • Replace HVAC, or hot water heater, add smart thermostat, improve insulation, replace windows or doors
  • Makes purchase of homes with existing energy efficient improvements a seamless process
  • Receive $500 energy efficiency credit at closing

Alternative Financing

  • Great for self-employed borrowers
  • Uses bank statements to qualify
  • Interest only loan options
  • Qualify with low credit scores
  • Loans available for those with recent housing events such as foreclosure, short-sale, or bankruptcy
  • Loan amounts up to $2.5 million, with credit score as low as 500
  • Financing available for borrowers with greater than 10 financed properties
  • Financing available for foreign nationals

5% Down Jumbo Loan

  • Valid on sales price up to $738,000.
  • Avoid higher interest rates associated with Jumbo loans
  • Avoid increased underwriting scrutiny associated with Jumbo loans. i.e FICO, DTI, and LTV
  • Avoid paying costly mortgage insurance
  • Keep your hard-earned money liquid, while still obtaining the home of your dreams
  • Lower down payments can provide higher ROI in appreciating markets

Mortgage Insurance Buster Loan

  • Pay no private mortgage insurance on loans up to 95% LTV
  • Uses a low-rate HELOC to act as down-payment to get you below 80% LTV
  • Interest only payments on the HELOC can be much less expensive than costly mortgage insurance payment
  • Can me much more cost effective than lender paid Mortgage Insurance

Dream Home Loan Construction Loan

  • Ready to build it?
  • Flexible interest rates and payment terms
  • Traditional two-time construction close
  • Finance up to 90% of your dream project*
  • All processing, underwriting, and doc-prep is done in house
  • Local loan administration enables you to get quick answers to any scenario, streamlining the process to close
  • Single origination fee

Doctor Loan

  • For medical professionals. i.e dentists, doctors, etc.
  • Financing available up to 97% LTV, with competitive low rates reserved specifically for medical professionals
  • Student loan debt is excluded from qualification
  • Future employment contracts are acceptable, no paystub needed
  • Loan amounts up to $850,000