Loan Programs
30 Year Fixed Rate Mortgage
Steady interest rate and monthly payments.
Best for those planning to stay in their home for 7+ years.
If moving sooner, consider an adjustable-rate mortgage (ARM) for lower initial costs.
15-Year Fixed Rate Mortgage
Offers a lower interest rate than the 30-year fixed.
You'll own your home faster but with higher monthly payments.
Some borrowers choose a 30-year loan but pay extra each month to match a 15-year payoff timeline — a safer option with minimal interest rate differences.
Adjustable Rate Mortgages
Starts with a lower initial interest rate than fixed mortgages.
Rates adjust periodically.
Ideal if you plan to move within a few years, expect increased future income, or find fixed rates too high.
FHA Loans
Government-backed mortgage insured by the Federal Housing Administration.
Designed to make homeownership more accessible with lower down payments and relaxed credit requirements.
Created in response to 1930s foreclosure crises to stimulate the housing market.
VA Loans
Guaranteed by the U.S. Department of Veterans Affairs.
Available to eligible veterans and surviving spouses (if unmarried).
Offers favorable terms and no down payment for qualified borrowers.
Jumbo Loans
For loan amounts exceeding $647,200 (or $970,800 in select areas).
Higher interest rates due to increased lender risk.
Super Jumbo Loans
For loans ranging from $2.5 million to $30 million.
Higher rates due to elevated lender risk.
40 Year Interest Only
First 10 years: Interest-only payments.
Years 11-40: Fixed principal and interest payments.
No rate changes — it's fixed for the entire term.
You can pay down principal during the first 10 years.
Prepayment Penalty: Standard 3-year penalty (equivalent to 6 months' interest), except when selling.
During the first 3 years, you can pay up to 20% of the principal without penalty.
No PMI required for 15% down.
Not available for manufactured homes.
Available for refinances, both cash-out and rate/term.
Applicable for single-family homes, condos, and 2-4 unit properties.
Suitable for primary residences, second homes, and investment properties.
Can be closed under an LLC, corporation, trust, or other entities (owners/members must be listed on the loan).
Creative Financing Option
Bank Statements: For self-employed borrowers — no need to sacrifice tax write-offs.
12- and 24-month options available.
1099 Only, P&L + 2 months bank statements.
Asset Utilization: Qualify using liquid assets like cash, stocks, bonds, trusts, or even Bitcoin.
Cross Collateralization/Pledging: Leverage liquid or non-liquid assets for approval.
INVESTOR X (DSCR)
Personal income is not a factor
No tax returns or any income docs needed
Property cash flow is used to qualify
Investment properties only
Negative cash flow acceptable
Long or short term rentals
Program available in all 50 states
Up to 29 units
Long term fixed loans
Bridge Loan with Rehab
Property Type: 1-4 residential property
Occupancy: Investor
Lending Area: Nationwide
Loan Amount: 150k+
LTV: Up to 90% LTC
Experience: Not Required but Needed for Highest Leverage
Income Documentation: Not Required
Ground Up Construction
Available for 1-4 unit residential properties.
Land must be owned, with permits secured by closing.
Up to 85% LTC.
Requires 3 completed projects in the past 3 years (one must be ground-up construction).
No income documentation required.
Get started today.
Noah Acosta
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