BANKS SAY NO WE SAY YES!
BANKS SAY NO WE SAY YES!
Customized lending solutions designed to fit your unique financial situation
When you work with us, you’re not limited to one bank or one set of guidelines. As a mortgage broker, we have access to over 70+ lenders, allowing us to shop your loan across multiple options to find the best possible rate and structure for your unique situation.
FHA, VA, and USDA loan programs offer flexible qualification and low down payment options.
Traditional mortgage solutions with competitive rates for primary homes and second homes.
Bank statement, P&L, and 1099 loan programs designed for business owners.
Flexible loan options that allow qualification without traditional income documentation.
Qualify using rental income instead of personal income. Ideal for real estate investors.
Financing solutions for non-U.S. residents purchasing property in the United States.
Finance the building of your dream home with flexible construction loan options.
Loans for offices, retail, restaurants, and other business-purpose properties.
Short-term financing based on property value, ideal for investors needing fast funding.
A short-term financing solution that allows you to purchase a new home before selling your current one. Bridge loans provide fast access to equity so you can move quickly without missing opportunities.
Designed for real estate investors, fix and flip loans provide short-term funding to purchase, renovate, and resell properties for profit. Ideal for quick turnarounds and maximizing investment returns.
Finance the purchase of vacant land for future construction or investment. Whether you're planning to build or hold long-term, land loans offer flexible solutions to secure your property.
We’re a father-and-son mortgage team dedicated to delivering a smarter, more personalized lending experience. With decades of combined industry knowledge and access to a wide network of lenders, we specialize in finding solutions where others fall short.
No two clients are the same — and your mortgage shouldn’t be either. Whether you're purchasing, refinancing, or investing, we tailor every loan to fit your exact financial goals.
Our streamlined digital process makes it easier than ever to get started. You can apply securely online, get pre-approved, compare loan options, and run real-time scenarios using our interactive tools — all from the comfort of your home.
If you’ve been told “no” elsewhere, you’re in the right place. We’re here to find a way to get you to “yes.”
Updated daily to help you lock the best rate
Committed to giving you all the support and guidance you need.
A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.
Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.
It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.
An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.
