Which Mortgage is Right for You?
There are a number of different types of home loans available to you, and it can pay to familiarize yourself with them. Luckily we're here to help you choose the best type of home loan for your needs.
LOAN PROGRAM OPTIONS
Self Prepared Profit and Loss Mortgage
The Solution for Self-Employed Borrowers or 1099 employees with income issues
Qualify using only a Self-Prepared P&L
No Tax Returns, Bank Statements, or Accountant signatures required
Buy a home with as little as 3.5% down, credit scores as low as 580
DPA Advantage | Down Payment Assistance
Homeownership is now within reach with our 3.5% Down Payment Grant. This program features no income limits and no geographical restrictions, making it available to anyone regardless of where they buy or how much they earn. With credit scores accepted down to 620 and the ability for the seller to pay up to 6% of your closing costs, this program can enable you to purchase your home with zero money out of pocket
Accelerated Ownership Program
Our program is the superior alternative to restrictive rent-to-own or owner-financing. You pick any home on the market and move in as the actual owner with a locked-in price.
As low as 550 credit scores, recent bankruptcy (as little as 1 day), inconsistent income OK, less than 1 year self employed OK
ITIN Program
Own a home with as little as 3.5% down not 20–25%
We offer up to 96.5% financing for non-SSN borrowers, DACA recipients, & non-permanent residents, 40-year loan terms, and flexible income options.
Gig workers and self-employed borrowers welcome.
Investor Programs - DSCR No Doc
This program is built for real estate investors who want financing based on property performance not personal paperwork.
With a DSCR (Debt Service Coverage Ratio) No-Doc Loan, approval is driven by the rental income of the property, not your W-2s, tax returns, or employment history.
100% Conventional Buyer
Waiting to save for a down payment is one of the biggest reasons buyers delay homeownership. This program removes that barrier.
The 100% Conventional Buyer Loan allows qualified borrowers to purchase a home with zero down, while keeping cash on hand for emergencies, renovations, or future investments.
No Doc Loan Program for Primary Residences
We don't require tax returns, bank statements, or even proof of employment—we qualify you based on your equity and credit. Available for scores as low as 640 with up to 20% down, this program is the perfect solution for borrowers who want a streamlined closing without the traditional paperwork hurdles
Fix and Flip
Whether you’re flipping your first property or scaling a large portfolio, these programs provide fast, flexible capital designed specifically for real estate investors and builders.
Loan amount from 100k-5MM
100% Loan To Cost available
Rates and terms based on experience but 1st time investors welcome!
Construction loans for primary and investor
VA and Conventional programs available
Down to 580 credit for VA construction
100% Loan To Cost available!
1-4 Unit construction available for all of our programs
FHA Loan Programs
We specialize in FHA solutions that other lenders turn away. Secure your home with just 3.5% down for credit scores 580 and above, or take advantage of our 500+ score program with only 10% down. While the big banks say 'no' to lower scores, we provide the path to ownership with flexible requirements and wholesale rates
VA Loan
We believe every Veteran deserves a home, regardless of their credit history. While most lenders require a 620 score, we offer 100% financing with $0 down for Veterans with scores as low as 500. Don't let a past credit hurdle stop you from using the benefits you earned—we specialize in securing VA approvals that others simply can’t.
USDA Loan
Move into your new home with $0 down through our flexible USDA rural housing program. While most banks demand a 640 score, we provide 100% financing for scores as low as 580. If you are looking to buy in a qualifying area, we offer the expert guidance needed to secure an approval with zero out-of-pocket down payment