Advanced Lending Solutions
Serving Texas · Florida · Michigan | Call Us: 888-668-3559 | How Much Can I Borrow?
888-668-3559
The Home of the YES for Mortgage Borrowers
Home Loans When Others
Say No
We specialize in creative mortgage solutions for self-employed borrowers, ITIN holders, first-time buyers, and anyone who doesn't fit the traditional bank mold.
How Much Can I Borrow?
Explore Loan Programs
580+ Credit Scores Welcome
Self-Employed Friendly
ITIN & DACA Borrowers
Construction Loans
WHO WE SERVE
We Find a Way When Banks Say No
Traditional lenders turn away too many qualified buyers. Our programs are built for real people in real situations.
Qualify using profit & loss statements — no tax returns or CPA letters required.
No Social Security Number? No problem. Our ITIN program offers up to 96.5% financing.
Down payment assistance in Texas can get you into a home with zero out-of-pocket costs.
Recent bankruptcy? Credit score as low as 550? Our Accelerated Ownership Program was made for you.
VA and conventional construction loans up to 100% loan-to-cost for 1–4 unit properties.
OUR PROGRAMS
Mortgage Solutions Built for You
Six specialized loan programs designed for borrowers who don't fit the traditional mold.
SELF - EMPLOYED
P&L Mortgage Loans for Self-Employed Borrowers
Qualify using your profit & loss statement instead of tax returns — no CPA signatures, no W-2s, no hassle.
580+ credit score required
3.5% minimum down payment
No tax returns needed
No CPA letter required
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ITIN / DACA
ITIN Mortgage Program
Homeownership is possible without a Social Security Number. Our ITIN program offers flexible terms for non-SSN borrowers and DACA recipients.
Up to 96.5% financing
40-year loan terms available
DACA recipients welcome
Flexible income options
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CREDIT CHALLENGES
Accelerated Ownership Program
A lease-purchase path to homeownership for buyers who need time to qualify. Recent bankruptcy and low scores accepted.
Credit scores from 550
Recent bankruptcy permitted
Inconsistent employment OK
Alternative to traditional renting
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MINIMAL DOCS
No Doc Loan Program
Primary residence loans with minimal documentation requirements — ideal for borrowers with complex financial situations.
640+ credit score
Up to 20% down payment
Primary residences only
Minimal paperwork
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TEXAS DPA
Down Payment Assistance & Credit Solutions
Texas buyers with 620+ credit may qualify for down payment help — and potential zero out-of-pocket purchase with seller-paid closing costs.
620+ credit score
Seller can pay up to 6% closing costs
Potential $0 out of pocket
Texas-specific program
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BUILD & BUY
Construction Loans
VA and conventional construction financing for veterans and civilians building 1–4 unit properties in Texas, Florida, and Michigan.
580+ credit for VA loans
100% loan-to-cost available
1–4 unit properties
VA & conventional options
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WHY ADVANCED LENDING
We See the Person, Not Just the Credit Score
We've built our business around saying YES when traditional banks say no — with the expertise and programs to back it up.
Specialists in non-traditional and alternative income loans
NMLS licensed in Texas, Florida & Michigan
Dedicated Realtor Portal for fast pre-approvals
Direct access to wholesale rates via Elite Rate Desk
Personalized service — speak to a real person every time
550+
Minimum credit score accepted on some programs
3
States served: TX · FL · MI
6
Specialized loan programs
$0
Down possible with DPA in Texas
COMMON QUESTIONS
Frequently Asked Questions
Can I get a mortgage without tax returns?
Yes. Our P&L Mortgage Loan program lets self-employed borrowers qualify using profit and loss statements — no tax returns or CPA signatures required. You need a minimum 580 credit score and 3.5% down.
Can I get a home loan with an ITIN number instead of a Social Security Number?
Yes. Our ITIN Mortgage Program is specifically designed for borrowers without an SSN, including DACA recipients. We offer up to 96.5% financing with flexible 40-year terms.
Is there down payment assistance available in Texas?
Yes. Qualified Texas buyers with a 620+ credit score may be able to purchase with zero out-of-pocket costs. Sellers can contribute up to 6% toward closing costs under our Down Payment Assistance program.
Can I get a mortgage after bankruptcy?
Yes. Our Accelerated Ownership Program accepts borrowers with recent bankruptcy, credit scores as low as 550, and inconsistent employment history — it's a lease-purchase path designed for your situation.
Do you offer construction loans in Texas?
Yes. We offer VA and conventional construction loans for 1–4 unit properties in Texas, Florida, and Michigan. VA construction loans accept 580+ credit scores, and we offer up to 100% loan-to-cost.