My team’s goal is exceptional service and the right financial solution. Our dedicated team of experienced loan professionals will collaborate to make your experience smooth and efficient.

Since it’s important that you make an informed decision, we take the time to make sure you fully understand all your options. I will provide direct and honest answers, and together we will find the right solution for you. I will guide you step by step through the process, I’ll be available to answer your questions, and keep you informed at all times. Learn what it’s like to be a priority when you work with my team.  

Whether you’re a first-time homebuyer, buying up, downsizing, purchasing your vacation home, or acquiring investment property to build your real estate portfolio, we have solutions.

For me, it’s not just about making a loan, it’s about finding the right solution and helping families like yours. I would be my honor and privilege to work with you to reach your dreams of homeownership.

Below is a snapshot of some of the Alternative Financing Solutions or Non-QM Loan Programs that provide necessary financing:

Asset Depreciation/Depletion Programs

• No Tax Returns, 1099’s, W-2’s, Paycheck Stubs or 4506 Form
• Designed for High-Net-Worth Borrower who do not want to cash in assets and cause a taxable event.  
• No Pledged Assets Required
• Income is Calculated using the Asset Value and Calculation Process
• Available Purchase, Refinance or Cash out Refinance
• Can be Used in Combination with Other Sources of Income
• Interest Only Payment Option Available

 

Investor Cash Flow DCSR / Debt Service Coverage Ratio

• Designed for Investors Who Hate Compiling Tax Returns for Every Loan.  These loans are underwritten based on the cash flow of that individual property.
• Asset Based Lending on the Rental Market Survey from Appraiser
• Available for Purchase – Refinance or Cash Out 
• No Tax Returns or W-2’s
• No Fannie Mae or Freddie Mac limitations of number of properties with a loan against them
• Loan can be in the name of a LLC or Corporation
• Interest Only Payment Option Available
• (1 – 4 Units)  (5 – 8) Units & Apartments (1-24 Units)

 

Bridge Loan Financing – Cross Collateralization & Departing Residence Loan Programs

• These are Two Different Programs - Designed to help Individuals Buy a New Home Now
• Take Time to Sell the Departing Residence

  

Bank Statement Loan Programs

• 12- Month & 24-Month using either Business or Personal Bank Statements
• Available Purchase, Refinance or Cash out Refinance
• CPA Letter Regarding Expenses
• No Tax Returns, 1099’s, W-2’s, Paycheck Stubs or 4506 Form
• Interest Only Payment Option Available 

 

1099 Loan Program

• Most Recent 1099 is Used to establish Income
• Available Purchase, Refinance or Cash out Refinance
• CPA Letter Regarding Expenses
• No Tax Returns

• Interest Only Payment Option Available

 

No Ratio Loan Programs

• Designed to serve an Underserved Community of Borrowers
• No Tax Returns, 1099’s, W-2’s, Paycheck Stubs or 4506 Form
• Asset Based Lending using your Credit Score and Home Value
• Available Purchase, Refinance or Cash out Refinance
• Income Guidelines Apply
• Available for Salaried and self-employed individuals
• Call to ask for details.

 

ITIN Loan Program

• Resident Alien Borrowers who do not have a Social Security Number but file US Taxes and have been issued an ITIN Number
• Full Documentation Only

 

Foreign National Loan Programs

• Designed for Borrower who Live and Work outside of the US looking to purchase a 2^nd Home or Investment Property
• No US Credit
• No Income / No Employment Required
• Interest Only Payment Option Available 

 

Expatriate Visa Program,

• Designed for professionals entering the U.S. with a work visa & Offer Letter, and/or other Employment Authorization
• No US Credit
• No Tax Returns / No Income Required

 

HELOC’s – Home Equity Line of Credit

• 2^nd Mortgage / Revolving Line of Credit

 

DPA – Down Payment Assistance Programs – Supreme Dream 3.5%

• Supreme Dream Designed to help First Time Homebuyers with Down Payment & Closing Costs
• Limited to (2024) Conforming Loan Limit $766,550
• No Income Limits
• Not Limited to First Time Buyers
• 2^nd Mortgage – Interest 0%  - No Monthly Payment and...is FORGIVABLE after 5-Years /60- consecutive payments.
• Available on 2-Units

 

Other Down Payment Assistance Programs

• Designed to help First Time Homebuyers with Down Payment & Closing Costs
• GSFA – Golden Opportunities
• CalHFA – CalPLUS
• CalHFA – Dream For All – Equity Share - New Limited Program Available Spring (2024)
• DAISEY & GROW
• New Programs Will Be Available in (2024)

 

Reverse Mortgage Programs

• Designed to help Seniors Age in Place - Their Home, Have Funds for Care, Medical Expenses, Modification of the Home, Repairs, Payoff Debt, and other Basic Living Expenses
• Fixed Loan Options
• Adjustable Loan Options – with Option to borrow Additional Funds

 

 Other Specialty Financing Programs

• Lot Loans – Min Loan $100,000 / 65% LTV
• Delayed Purchase Transactions – Up to 90-days – For client who purchase “All Cash” and want to refinance and pull out their cash infusion.
• Non-Warrantable Condo’s
• Co-Ops
• Condotel
• Jumbo Loan Financing up to $3 MM