Our Specialty
Backed By Great People, 100% Customer Focused
The most important asset to our company, is our people. Our team was built with you as our focus.
SPEED
We have closed on Loans as Fast as 15-days!
HARD MONEY / PRIVATE MONEY
Amongst the very few in California with Rates starting at 6.75%
COMPLICATED LOANS
We have closed on Loans that other Lenders or Brokers have turned down and at very Competitive Rates!
HIGH DTI (Debt-to-Income-Ratio)
Qualify for up to 100% of your Income vs. the traditional 43%
NO TAX RETURN PROGRAMS
- STATED-INCOME: Qualified based on a Self-Prepared P&L (Profit & Loss Statement)
- BANK-STATEMENTS: Qualified based on Your Average Monthly Deposits!
- VOE Only: Qualified with a 1-page Verification of Employment Form!
- NINE / NIVA / NO-RATIO: NO-Income & NO Employment Verification for both Owner-Occupied and/or Investment Properties!
- DSCR: Qualified only based on the Rental Income of the Investment Property!
FOREIGN NATIONAL LOANS
Great Rates & No Tax-Returns!
SUBPRIME
For Borrowers with less than a “Perfect” Credit-Profile!
MAJOR CREDIT EVENTS
Recent Bankruptcy, Foreclosure, Loan Mods and/or Employment Gaps!
ITIN / EAD / DACA
For those on Work-Visa, Employment Authorization and/or Individual Tax ID No. (No Social Security Number)
FIRST-TIME HOMEBUYER (FTHB) PROGRAMS
- DPA (Down-Payment-Assistance) Programs: Sponsored by either the City, County, State (CalHFA) or the Federal Government!
- MCC (Mortgage Credit Certificate): Reduces your Effective Interest-Rate up to 20%
