Loan Programs

We help you choose the right loan program to fit your needs.

FHA Loans
  • Low Down Payment, Flexible Sources.
  • Optional Mortgage Insurance
  • Simple Qualifications

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W2 Transcripts Only
  • W-2 transcript processing
  • Apply for conventional, FHA and VA loans
  • Save time, apply today!

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Jumbo Mortgages 
  • Jumbo Program- 90 LTV
  • Primary residences up to $3 million
  • Cash-Out to Borrower up to $750,000

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Bank Statement Program
  • Personal or Business Bank Accounts
  • Separate Personal and Business Accounts
  • Decision is based on 12 month Deposits

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Construction Loans
  • Available For Up To 80% LTV
  • Own Up To 4 Financed Properties
  • No Minimum Repair Amount Required

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Home Ready Loans
  • Suitable for all borrowers
  • Available for higher loan amounts
  • Refinances up to 95 percent loan-to-value

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Condotel Loans
  • Available for up to $1.5 million
  • 65% LTV
  • Credit score of 680

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No Income Check Mortgage
  • No Tax Returns Required
  • No Pay-Stubs Required
  • No W2’s Required

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Foreign Nationals Program
  • Purchase and refinance options
  • No penalties for pre-payments
  • Credit score: 680 FICO

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Reverse Mortgage
  • Never make a payment
  • Must be 62 and over
  • No Income or Credit check needed

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Investment Coops
    • Competitive interest rates
    • Reasonable loan terms
    • Home equity lines of credit

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Non-Warrantable Condos
  • Competitive rates
  • Less strict guidelines
  • Non-Agency and our Non-QM programs

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USDA Loans
  • FICOs starting from 620
  • No cash reserves needed
  • No appraisal required

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Co-Op Mortgages
  • Low-interest, fixed-rate coop mortgages
  • Refinance into an affordable loan
  • Purchase a co-op with reasonable terms

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Doctor Mortgage Programs
  • Primary Residence Only
  • Purchase or Rate and Term Refinance
  • Great Home Loan Option for Doctors

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90% LTV to 1 Million with no MI
  • Available for first-time homebuyers
  • Purchase loans up to $1 Million
  • Minimum FICO credit score of 680

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Jumbo Co-Op Loans
  • Minimum 700 credit score
  • Up to 85% combined loan-to-value
  • Single family homes and condos

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Interest Only Program
  • Pay off the mortgage in one lump sum
  • Refinancing a loan
  • Loan amounts up to $1 million

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Home Possible Mortgage Program
  • Flexible credit and payment requirements
  • Significantly reduced PMI requirements.
  • No cash reserves on one-unit properties

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FHA 203k Loan
  • Buy and renovate at the same time
  • Qualifying credit scores as low as 550
  • Close before work completed

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Simultaneous Closing
  • Available for primary residences
  • 30-year HELOC
  • Second homes with CLTV < 85 percent

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Investment Properties
  • Loan amounts from $100,000 to $3,500,000
  • Unlimited financed properties
  • Seller contributions up to 6%

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Stated Income on Primary Residences
  • No 4506 or 4506t required
  • Salaried borrowers are permitted
  • Requires 75% down payment

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Portfolio Investor Program
  • Gift funds and Gifts of Equity allowed
  • Unlimited cash-out
  • No verification of income or employment

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Hotel Financing
  • Interest-only financing is available
  • Maximum loan amount is $3 million
  • 5/1 or 7/1 ARMs & 30-year payments

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P & L Only
  • Applicants need not produce tax returns
  • Up to $500,000 cash back
  • Entire down payment may be a gift

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Manufactured Home Financing 
  • 30-year fixed-rate loan
  • Lower PMI requirements
  • No-repayment grant options

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Jumbo Loans up to 95% Financing
  • LTVs up to 95%
  • No Mortgage Insurance – ever!
  • Cash-out refinancing available

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Multifamily Bridge Loans
  • Senior housing facilities
  • Student housing
  • Apartment buildings

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Fix To Rent Loans
  • Attractive and competitive interest rates
  • LTV ratio up to 75%
  • $75,000 minimum loan amount

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Lite-Doc Loans
  • Minimum 680 scores required
  • Max loan amount $2.5mm
  • Max 65% Financing

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No Income Check For Coops
  • LTV up to 75%
  • No income verification
  • 30-year fixed-rate loa

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HomeStyle Renovation
  • Purchase a home that needs repairs.
  • Low down payment
  • Remodel a home using its equity

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No Ratio Owner Occupied
  • Minimum 680 score
  • 1-4 units
  • Coops & Condos

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Investment Property HELOC
  • Rental income
  • Cash reserves
  • Own multiple properties

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Good Neighbor Next Door Program
  • Police, firefighter, EMT or teacher
  • $100 down payment
  • Credit score 620

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85 LTV Investment Property
  • NO MI
  • Fixed Rates
  • Investment property borrowers

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No Income Investment Property
  • NONI loans process quickly
  • unlimited cash-out below 75 LTV
  • Use business funds to qualify

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Super Jumbo Program
  • Maximum CLTV of 90%
  • First-time homebuyers eligible
  • No maximum cash-out limit

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Jumbo Interest Only
  • Primary and secondary homes
  • 80% LTV
  • Credit score of 700

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Conventional Loans
  • Lowest interest rates available
  • For borrowers with strong credit history
  • Usually requires 20% down payment

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ITIN Mortgages
  • No reserves required
  • 75% LTV
  • ITIN card a must

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Owner Occupied Mixed Use Property Loan
  • 10-, 15- and 20-year mortgages
  • Fixed-rate loans
  • 25-year amortization

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First Time Buyer Investment Property
  • Tax advantages
  • Increase monthly income
  • Profit in the future

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Physician Loans
  • No PMI
  • 100% Financing
  • Down Payment as low as 3%

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New Construction Loans
  • LTC of up to 85%
  • 12- to 24-month interest-only
  • Don’t pay interest

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The FHA 203(h) Program
  • Credit score of 550
  • Purchase a new home
  • Commercial properties

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Halal Financing Program
  • Remain in step with Sharia
  • Sharia-compliant contract
  • Transaction under Islamic Law

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Investment Jumbo Coop Loan
  • Option for urban investors
  • Loan Amounts up to $3M
  • Credit Score 600

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Manual Underwriting
  • Minimal Credit History
  • Jumbo Loans
  • Issues on Record

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No Income Home Equity Line of Credit
  • Consolidate debt
  • Purchase
  • Business goals

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Ground Up New Construction
  • In-house loan servicing
  • Fast due diligence procedures
  • Rapid closings

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Reverse Mortgage for Coops
  • Age 62 and older
  • No monthly payments
  • Stay in your home

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New Construction Loans – One Close
  • One Closing
  • One Interest Rate
  • One Down Payment

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Florida Hometown Heroes Housing
  • Up to 5% down payment assistance
  • Lender pays for closing costs
  • Max assistance capped at $25,000

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Investor Cash Flow
  • Loan Amounts Up To $3M
  • 30-year fixed
  • Interest-only

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Residential Bridge Loan
  • Cash out
  • Multi-family properties
  • 75% LTV

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Bank Statement Program for Coops
  • Cash-Out Opportunities
  • Flexible Mortgage Terms
  • High Loan-to-Value Ratio

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Rural Property
  • Unique Opportunity
  • Secure Financing
  • Government-backed loans

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Non-Warrantable Co-op Financing
  • Cash-Out Refinancing
  • Investment Units
  • LLC Closing

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Hometown Heroes
  • Up to 5% Assistance
  • Flexible Usage
  • Affordable Repayment

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Bridge Loans
  • First Time Home Buyers
  • First Time Investors
  • Experienced Investors

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No Credit and Limited Credit Program
  • Cash-Out
  • No credit score required
  • Asset depletion program allowed

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Second Mortgage Bank Statement Program
  • Credit Flexibility
  • Generous Loan Amount
  • No Prepayment Penalty

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Home Equity Line Of Credit (HELOC) Co-ops
  • Combined Loan to Value (CLTV) 70% CLTV
  • Minimum Credit Score 700
  • Minimum Loan Amount $10,000

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1-page Bank Statement
  • 12- or 24-month P&L statement acceptable
  • LTV can be up to 80% for cash-out refi
  • Confirm eligibility with only P&L statement

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Cannabis-Related Income
  • Full Doc (12 or 24 Months)
  • Loans up to $3mm
  • FICO Down to 660

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One Score or No Score Program
  • Available up to 65% LTV
  • All occupancy types
  • Borrowers with one FICO score or no FICO

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VOE Only Program
  • 70% LTV for cash out
  • Max loan amount $4,000,000
  • Min FICO 620

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Accessory Dwelling Units
  • Accessory dwelling unit must be legal
  • Only one ADU allowed per property
  • Proof of rent receipt must be provided

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1-year self-employed mortgage program
  • 1-year of self-employment required
  • Up to 80% loan-to-value for purchases
  • Minimum FICO score of 660

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DSCR Loan Program
  • Loan amounts of up to $3 million
  • Minimum credit score of 599 
  • Combined loan-to-value ratio of up to 85%

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Blanket Mortgage Loan
  • The minimum loan amount is $400,000
  • The maximum loan amount is $3,000,000
  • Property loan balances min. of $50,000

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Zero Downpayment Mortgage Program
    • No down payment
    • Rental credit allowed
    • First & second lien loan

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Mortgage Calculator

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Amortization Calculator

As you evaluate different mortgage options, it’s important to understand what your monthly payment will be and how much interest you could pay over time. This calculator can help you choose the mortgage that is right for you.

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