You Need Help?

We have many loans programs.  Primary, Second Homes, Investment properties for both Residential and Commercial properties.

Yes,  the options for Investment properties are flexible.  We have both full doc (showing your income) as well as options using the estimated rents of the property to qualify.

For conventional lending the score is 620 while Non-QM loans and FHA loans allow for credit scores under 600.

You can use the apply now or get started buttons on the site or if you are already working with a loan officer you can contact them.  You can also go to the contact page and request for a live rep to call you and review.

You can start with the application.  Documents you will typically need once the application is in process are proof of income (recent paystubs for ex.) and asset documentation (bank statements for ex.).  Other items will be requested such as copy of your ID and insurance information.  For loans that do not require income documentation that piece will not be required.

Pulling you credit score as a hard inquiry can have an effect.  Typically a small change unless you are pulling the credit often in a short time period.  We do have an option to pull your credit as a soft inquiry so that you can pre-qualify prior to doing a hard credit pull.

Most loan programs require to see a 2 year credit history with at least 2 tradelines (2 accounts such as a credit card and a car loan).  Their are some alternative options on some of the loan programs.