Tailored mortgages for non-citizen borrowers with ITINs, offering a clear path to homeownership.

Financing solutions for purchasing, renovating, or expanding commercial properties.

Standard mortgage options with flexible terms and competitive rates.

Access home equity for renovations, debt consolidation, or major expenses.

Loans based on Debt Service Coverage Ratio, ideal for investment property financing.

Government-backed loans with lower down payment and credit score requirements.

Specialized financing for non-U.S. citizens investing in property within the U.S.

High-value loan options for properties exceeding conventional loan limits.

Flexible loans outside traditional qualification criteria, suitable for unique financial situations.

Restructure existing loans for better terms, lower rates, or cash-out options.

Zero-down mortgages for rural and suburban homebuyers, backed by the USDA.

Zero-down financing for eligible veterans, active-duty, and certain military spouses.

Mortgage solutions for buyers with less-than-perfect credit histories.

Affordable loan options with minimal upfront costs for qualified borrowers.

We will request documents only after you have received a Loan Estimate and a Home Loan Toolkit, as well as provided us with your verbal or written "intent to proceed" with the mortgage application. Prior to this, we may ask for additional information that will assist in evaluating your potential application for a mortgage loan.

To obtain a new mortgage loan, the following documents may be requested:

• Past two (2) years of W-2 statements
• Pay stubs covering the last thirty (30) days
• Two most recent monthly bank statements
• Most recent transaction summary of 401(k), IRA, or Mutual Fund Accounts
• Photocopies of any stocks or certificates of deposits
• A letter of explanation for any known credit problems
• If currently renting, provide either 12 months of canceled rent checks or the name and address of your current landlord

Additional documentation is generally required based on your specific situation:

• For a Refinance: A copy of the deed and the most recent tax bill.
• For a Purchase: A signed purchase contract, realtor contact information, and condo association contact information.
• For a VA Loan: DD Form 214 (Long Form).
• If Divorced: A fully executed divorce decree.
• If Self-Employed or Commission-Based:Two (2) years signed personal tax returns, including all schedules.
  If self-employed through a corporation, provide the last two years of corporate returns and a year-to-date profit and loss statement and balance sheet.
  

Different loan programs may require varying amounts of documentation. The specific loan program you select may necessitate more or less documentation. For a free, no-obligation consultation, please contact us.