Mortgage documents and keys

Mortgage Services

Full spectrum mortgage solutions for first-time buyers, self-employed borrowers, investors, and international clients. Clarity, speed, and flexible underwriting backed by our national lender network.

Schedule a Consultation

Get Started Online – On Your Schedule

Whether you’re exploring options or ready to write an offer, start your mortgage journey online in minutes—no pressure, no spam.

Quick Mortgage Rate Quote

See today’s estimated mortgage payment based on your income, debts, and down payment. Get a ballpark rate and loan amount before shopping.

Get My Quick Quote

2. Request a Pre-Qualification Letter

Submit your info and we’ll issue a pre-qualification letter to help you talk to realtors and attend open houses confidently.

Request Pre-Qualification

3. Start Full Application (1003)

The 1003 is the official full mortgage application used for underwriting, giving you stronger negotiating power when making an offer.

Start My 1003 Application

Our Core Loan Programs

We offer a comprehensive range of mortgage products, specializing in flexible Non-QM solutions for investors and self-employed individuals, alongside traditional financing.

1

Conventional & Government Loans

Ideal for W-2 borrowers and primary residences.

  • Conventional loans (Conforming & High-Balance)
  • FHA
  • VA
  • USDA
  • Rate & Term / Cash-Out Refinancing
2

Non-QM Solutions (Our Specialty)

Built for self-employed borrowers, entrepreneurs, and investors.

  • Bank Statement Loans (12/24 months)
  • Profit & Loss (P&L) Only
  • 1099 Income Loans
  • Asset Depletion
  • DSCR (Debt Service Coverage Ratio)
  • No-Ratio DSCR
  • Short-Term Rental (Airbnb/STR) Qualification
  • Mixed-Use up to 8 units
  • Multi-Family up to 10 units
3

Foreign National Programs

Designed for clients purchasing U.S. property from abroad.

  • Passport-Only
  • No U.S. credit required
  • Second homes & investment properties
  • LTV up to 75%
4

Jumbo & Super-Jumbo Loans

For luxury homes and premium markets like the Bay Area and Hawaii.

  • Loan amounts up to $10 million
  • Flexible income and asset qualification
  • Multiple investor options
5

Private Money & Bridge Loans

When speed matters.

  • Fix & Flip
  • Bridge Loans
  • Construction Loans
  • Investment property financing
6

Specialty Programs

For unique or complex scenarios.

  • Non-Warrantable Condos
  • Condotels
  • Rural properties (up to 40 acres)
  • Second Liens up to $750,000

Why Work With Us

F
Fast Approvals

Fast approvals with our national wholesale lender network.

O
Outside-the-Box Underwriting

Flexible Non-QM underwriting built for self-employed borrowers.

C
Competitive Pricing

Competitive pricing across all products.

U
Unmatched Expertise

Experienced in Bay Area, Hawaii, and investment-driven markets.

S
Strong Network Access

Direct broker access to over a dozen top wholesale lenders.

Ready to Take the Next Step?

Schedule a consultation today to tailor the right mortgage solution for your goals.

Schedule a Consultation