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.
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%
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!
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%