Advanced Lending Solutions
Serving Texas · Florida · Michigan | Call Us: 888-668-3559 | How Much Can I Borrow?
888-668-3559
OUR LOAN PROGRAMS
Which Mortgage is Right for You?
There are many types of home loans available — and it pays to know your options. We specialize in programs other lenders won’t touch, so more borrowers can say YES to homeownership.
Explore All Programs
All Programs
Self-Employed
First-Time Buyers
Veterans
Investors
ITIN / DACA
SELF - EMPLOYED
MOST POPULAR
P&L Mortgage for Self-Employed Borrowers
The solution for self-employed borrowers and 1099 employees with income documentation challenges. Qualify using only a self-prepared profit & loss statement — no tax returns, bank statements, or CPA signatures required.
Qualify using only a self-prepared P&L statement
No tax returns or accountant signatures needed
Buy with as little as 3.5% down
Credit scores accepted from 580
Send Us Your Inquiry
DOWN PAYMENT HELP
DPA Advantage — Down Payment Assistance
Homeownership is now within reach with our 3.5% Down Payment Grant. No income limits, no geographical restrictions — available to anyone, anywhere. With seller-paid closing costs, you can purchase with zero money out of pocket.
3.5% down payment grant available
No income limits or geographic restrictions
Credit scores accepted from 620
Seller can pay up to 6% of closing costs
Potential $0 out-of-pocket purchase
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CREDIT CHALLENGES
Accelerated Ownership Program
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 — even with credit challenges.
Credit scores as low as 550 accepted
Recent bankruptcy OK (as little as 1 day out)
Inconsistent income accepted
Less than 1 year self-employed OK
Send Us Your Inquiry
ITIN / DACA
ITIN Mortgage Program
Own a home with as little as 3.5% down — not 20–25%. Designed for non-SSN borrowers, DACA recipients, and non-permanent residents who deserve the same path to homeownership as anyone else.
Up to 96.5% financing available
DACA recipients and non-permanent residents welcome
40-year loan terms available
Flexible income options including gig workers
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INVESTORS
DSCR No Doc Investor Loan
Built for real estate investors who want financing based on property performance — not personal paperwork. Approval is driven by the rental income of the property, not your W-2s, tax returns, or employment history.
No W-2s, tax returns, or employment history needed
Scale your portfolio without personal income limits
Approval based on property rental income
Fast, flexible qualification process
Send Us Your Inquiry
ZERO DOWN
100% Conventional Buyer
Waiting to save for a down payment is one of the biggest reasons buyers delay homeownership. This program removes that barrier entirely — purchase a home with zero down and keep your cash for what matters.
0% down payment required
Keep cash on hand for emergencies or renovations
Conventional loan terms and rates
Qualified borrowers only
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MINIMAL DOCS
No Doc Loan Program
No tax returns, bank statements, or proof of employment required — we qualify you based on your equity and credit. The perfect solution for primary residence borrowers who want a streamlined closing without the traditional paperwork.
No tax returns or bank statements required
No proof of employment needed
Credit scores accepted from 640
Up to 20% down payment
Credit scores accepted from 640
Send Us Your Inquiry
INVESTORS
Fix and Flip Loans
Whether you’re flipping your first property or scaling a large portfolio, our fix-and-flip programs provide fast, flexible capital designed specifically for real estate investors and builders.
Loan amounts from $100K – $5MM
100% Loan-to-Cost available
First-time investors welcome
Rates and terms based on experience
Send Us Your Inquiry
BUILD & BUY
Construction Loans
Build your dream home or investment property from the ground up with our VA and conventional construction loan programs. Available for primary residences and investment properties across Texas, Florida, and Michigan.
VA and conventional programs available
VA construction loans from 580 credit score
100% Loan-to-Cost available
1–4 unit construction for all programs
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FHA
FHA Loan Programs
We specialize in FHA solutions that other lenders turn away. While the big banks say no to lower credit scores, we provide the path to ownership with flexible requirements and wholesale rates.
3.5% down for credit scores 580 and above
10% down for scores as low as 500
Wholesale rates — lower than retail banks
Flexible qualification requirements
Send Us Your Inquiry
RURAL HOUSING
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 in qualifying areas.
$0 down payment — 100% financing
Credit scores accepted from 580
Zero out-of-pocket payment
Expert guidance for qualifying area approval
Send Us Your Inquiry
VETERANS
VA Loan
Every Veteran deserves a home, regardless of 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.
$0 down payment — 100% financing
Credit scores accepted from 500
No private mortgage insurance (PMI)
We specialize in VA approvals others can’t get
Send Us Your Inquiry
Not sure Which Program Fits You?
Tell us your situation and we’ll find the right loan for you — no commitment, no hard credit pull to start.
Get Pre-Qualified Now
Call 888-668-3559