Residential & Commercial 
Loan Programs

Conventional loans are traditional mortgages that are not guaranteed or insured by the government. They are offered by banks, lenders and mortgage brokers. They typically have stricter credit and income requirements compared to government-backed loans. Conventional loans have a wide range of loan options such as fixed and adjustable rates, and come in a variety of terms.

Non-QM mortgages are a type of home loan that falls outside of the standard qualifications set by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac. These loans are typically used by borrowers who have unique financial situations or do not meet the standard requirements for a conventional mortgage. 

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Foreign national mortgages, also known as international mortgages, are loans designed for foreign nationals looking to purchase or refinance real estate in the United States. They have specific requirements and underwriting guidelines that are different from traditional mortgages and are typically used by foreign investors.

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Jumbo loans are used to finance larger mortgages and are typically used to purchase more expensive homes. They usually have stricter credit and income requirements, and higher down payments and interest rates compared to conventional loans.

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Commercial mortgages are loans designed for the acquisition, refinancing, or cash out of commercial real estate properties such as office buildings, retail centers, warehouses, apartments, and other income-generating real estate. These loans are often sought by business owners, investors, and developers to purchase or upgrade commercial properties.

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Multifamily mortgages are loans used to finance the purchase or refinance of 5+ unit properties apartment buildings. They are typically used by real estate investors and developers. They are offered by a variety of lenders, including community banks, private money lenders, and government-sponsored enterprises such as Fannie Mae and Freddie Mac. 

Private Lending (hard money loans): These are loans that are provided by private individuals or institutions rather than traditional lenders such as banks or credit unions. These loans are typically used for short-term financing, such as flipping houses or bridge financing for a property that is being bought and sold quickly.

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Hard money loans are short-term, asset-based loans provided by private individuals or institutions. They are typically used for real estate investments, such as flipping houses or as an option for foreign nationals or borrowers with no credit score, as they do not require a minimum credit score for qualification.

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Condo-tel Mortgagess a type of mortgage designed for borrowers looking to purchase a unit in a condominium hotel, also known as a condo-tel. These are properties that function as both a residence and a hotel, with the owner having the option to place the unit in a rental pool managed by the hotel operator when not in use. 

FHA loans are insured by the Federal Housing Administration and are designed for first-time homebuyers or those with lower credit scores. They typically require a lower down payment and have more lenient credit and income requirements compared to conventional loans.

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VA loans are guaranteed by the  Department of Veterans Affairs and are available to eligible veterans, active-duty military personnel, and certain surviving spouses. They offer competitive interest rates and don't require a down payment, mortgage insurance, or a minimum credit score.

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USDA loans are offered by the U.S. Department of Agriculture and are designed to help low- and moderate-income households buy homes in rural areas. They don't require a down payment and have more lenient credit and income requirements compared to conventional loans.

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Construction mortgage loans are loans that are used to finance the cost of building a new home or other type of real estate development. These loans are typically used by builders, developers, and individual homeowners who are looking to construct their own home. The loan is based on the projected value of the completed property. 

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Lot Loan are a type of mortgage that is specifically designed for borrowers who want to purchase a piece of land in order to build a home or other structure on it. Lot loans can be a great option for those who want to build a custom home or those who want to purchase a piece of land for investment purposes.

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Renovation mortgage loans, also known as rehab loans or renovation financing, are loans that allow borrowers to finance both the purchase or refinance of a property, as well as the costs of renovating or remodeling that property. These loans are typically used by investors who want to purchase a fixer-upper or older property and make repairs or upgrades to improve the property's value.