Mortgage PROGRAMS

*Conventional, Jumbo, FHA, VA Loans, credit repair, and down payment assistance

• Brokers work with a variety of banks, credit unions, and other lenders.
   
• They can shop around for the best rates and loan terms on your behalf.
   

• First-time buyers often need help understanding the mortgage process.
   
• Brokers explain:
   
  • Different loan types (e.g., conventional, FHA, VA, USDA)
     
  • Fixed vs. variable interest rates
     
  • How down payments affect the loan
     
  • Closing costs and fees
     

• They assist with getting a mortgage pre-approval, which strengthens your position when making an offer on a home.
   

• They review your credit score and financial documents to help position you for the best loan options.
   
• May suggest ways to improve credit or reduce debt before applying.
   

• A good broker can connect you with first-time homebuyer programs, such as:
   
  • Down payment assistance
     
  • Reduced-interest loans
     
  • Grants or tax credits
     

• They compare loan offers side-by-side and may negotiate better terms.
   
• This includes interest rates, points, fees, and loan conditions.
   

• They coordinate with lenders, realtors, title companies, and underwriters to keep the process on track.
   
• Help with paperwork and timelines to avoid delays.

 Loan program using for your profit and loss (P&L)

• P&L Must Be Prepared by a CPA, EA, or CTEC
• P&L Must Cover a 12 Month Period and be Within 3 Months at Funding
• Co-Borrower W2 Income Allowed
• Up to 75% LTV
• Min FICO 660
• Up to $3M loan amount!
• 100% Gift Funds Allowed
• Primary, 2nd, and Investment Properties Allowed
• 3-12 Months Reserves
• SFH, 2-4 Unit, Condos
• Interest Only Available
• Cash out can be used for reserves.
• Min Expense Factor with a P&L is 20% for a service business and 40% for a product business.

Our Bank Statement Loan Program is an excellent tool designed to cater to self-employed borrowers who may struggle to qualify for traditional mortgage loans due to their unique income streams. These loans rely on bank statements, rather than tax returns or W-2s, to verify income–providing a more accurate reflection of your client's true earning potential.

Flexible Income Verification: We understand that self-employed borrowers often have fluctuating income. Our program uses 12 or 24 months of business or personal bank statements to verify income, making the application process more comfortable and streamlined for your clients.

Broad Ownership Acceptance: We accommodate borrowers who own as little as 50% of the business for business bank statements and 25% for personal bank statements.

High Loan Values and Competitive LTV: Our Bank Statement Loan Program offers loans from $150,000 up to an impressive $3,000,000, with up to 90% Loan to Value (LTV), ensuring your clients have the financial support they need.

Diverse Property Types: We support purchase, cash-out, and rate-term refinance on owner-occupied, second homes, and non-owner-occupied properties.

DCR Loans:  

A DCR loan (or Debt Coverage Ratio loan) is a commercial or investment property loan where approval is based primarily on the income the property generates, rather than your personal income.

DCR = Net Operating Income (NOI) ÷ Debt Service

• NOI: The income the property generates (after expenses but before debt payments)
   
• Debt Service: The total of all required loan payments (usually annual)

• Lenders use DCR to assess risk: They want assurance that the property’s cash flow can comfortably cover the loan payments.
   
• A higher DCR = safer loan.
   
• Most lenders require a minimum DCR of 1.20–1.25 (sometimes higher for riskier properties).
   

• Rental properties (e.g., multifamily, office, retail)
   
• Apartment buildings
   
• Commercial buildings
   
• Portfolio loans for multiple properties
   

• Approval is based on the property’s cash flow, not personal income.
   
• Ideal for investors with strong real estate assets but lower taxable income.
   
• Often no tax returns required — especially with DSCR-based non-QM (non-qualified mortgage) loans.

A reverse mortgage is a type of loan available to homeowners aged 62 or older that allows them to convert part of their home equity into cash without having to sell their home or make monthly mortgage payments.

• With a reverse mortgage, the lender pays you, either as a lump sum, monthly payments, a line of credit, or a combination.
   
• The loan is repaid when:
   
  • The borrower moves out permanently
     
  • Sells the home
     
  • Or passes away
     
• At that point, the home is sold, and the proceeds are used to repay the loan, including interest and fees.
   

• Provides extra cash for retirement or expenses.
   
• No monthly mortgage payments required.
   
• You retain ownership of the home.
   
• Non-recourse loan: You (or your heirs) never owe more than the home’s value.