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Top 3 Loan Programs

Conventional Loans

A conventional mortgage loan is a “conforming” loan, which simply means that it meets the requirements for Fannie Mae or Freddie Mac, and as a result, typically have stricter lending requirements by banks and creditors.

Conventional mortgages typically have a fixed rate of interest, which means that the interest rate does not change throughout the life of the loan. 

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Stated Income Loans

Stated income mortgage is a loan for borrowers who qualify using alternative documentation, such as profit and loss statements or bank statements.

A stated income loan allows borrowers to qualify using alternative income verification documentation..

Stated income mortgage is subject to underwriting. Lenders require a minimum credit score and maximum LTV.

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Hard Moeny Loans

With hard money loans, the lender approves a borrower based on the value of the property being purchased. The lender may do a quick check of your credit or finances, but in general, the process will be much less rigorous than it is with a traditional loan.

This allows the process to happen more quickly, so borrowers can get their money in a matter of days as opposed to weeks or even months.

 

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