National Residential & Commercial Mortgage Lender

We offer residential and commercial mortgage loans throughout the U.S. and specialize in working with the self employed and small to mid-sized businesses.

Residential Loan Specialties

Stated Income Loans - stated income mortgage loans for the self employed require high FICO scores, excellent credit and assets and a exceptional track record of managing your finances.

Jumbo Mortgage Loans - we offer "portfolio" jumbo mortgage loans at rates well below current market for those with fully documented income, excellent credit and assets.

Super Jumbo Mortgage Loans - we also offer "portfolio" super jumbo mortgage loans at excellent rates for the extremely well qualified.

Commercial Loan Specialties

SBA 504 Loans - the SBA 504 loan program provides 90% loan to cost commercial financing at extremely low fixed rates for the purchase, construction, remodel or renovation of a building.

Commercial Loans - we offer commercial financing for shopping centers, hotels, office, industrial, retail and Multi-Family Apartments.

Nationwide Direct Lender

A few of the reasons you should consider working with us:

• We are experienced, professional, knowledgeable and responsive
  
  
• We give you straight answers without sales pressure
  
  
• We will quote you accurate rate information and realistic time frames for loan approval and closing
  

Loan programs:

• Commercial Hard Money Loans - we have access to Commercial Hard (Private) Money Lenders if you are need of a quick closing on a commercial loan.

• Stated Income Stated Asset Loans - These are stated income loans that are sold to one of the Goverment Sponsored Enterprises (otherwise known as Fannie Mae or Freddie Mac). The loans allow stated income and, in some cases, stated assets.

• Jumbo and Super Jumbo Loans to $2,500,000 - Outstanding super jumbo mortgage rates for the extremely well qualified.
  

• Jumbo Stated Mortgage Loans for the Self Employed - Jumbo mortgage loans up to $750,000 for the self employed with reduced documentation.
  
  
• Renovation and Remodeling Loan (Residential)- the renovation loan is for a major renovation or remodel, rehab or tear down and rebuild. Principal residences and second homes only. No Investment properties.

• Renovation and Remodeling Loan (Commercial) - the SBA 504 Loan program allows you to borrow up to 90% loan to cost for the remodelling or renovation of a commercial building.

• Construction-to-Permanent Loans - this a mortgage loan that enables you to buy a lot, build a home and get permanent financing all in one loan.

• Interest Only Mortgage Loans - there are many interest only mortgage loans available, but the 30 year fixed with the 10 year interest only option is the most popular.
  

• 97% Financing - Zero down mortgage loans are no longer available. 3% is now the minimum down payment with private mortgage insurance.  PMI is now tax deductible for most borrowers making these loans more attractive.

• No Income Verification Loans - this loan is similar to a stated income loan and it is only for those who have a proven ability to handle their financial obligations.

• New Construction Builder Subsidy Loan Program - This program allows a homebuilder to pay your first 6 months of mortgage payments.

• 20 year fixed rate mortgage - why a 20 year fixed rate mortgage loan is such an excellent choice.

Some loans are not available in all states. Home mortgages and commercial loans subject to credit review and approval. We offer all types of residential and commercial financing and we specialize in mortgage loans for the self-employed.