Lending Built on
Experience.
Tailored mortgage solutions for homeowners, investors, and self-employed borrowers. Fast closings, competitive rates, expert guidance.
Tailored Financing Solutions
From conventional mortgages to specialty programs for investors and self-employed borrowers.
Bank Statement Loan
Use 12-24 months of personal or business bank statements instead of tax returns.
- Credit scores from 620
- LTV up to 90%, up to $3.5M
- No W-2s or tax returns needed
- Interest-only options available
DSCR Program
Qualify based on property cash flow. No personal income or employment verification required.
- Credit scores from 660
- Up to $2.5M, 1-4 units
- Vest in LLC or corporation
- AirBnB / short-term rental OK
Asset Utilization
Qualify using liquid assets divided by 60 months. Ideal for retirees and high-net-worth individuals.
- Credit scores from 660
- LTV up to 80%, up to $3.5M
- No DTI qualification option
- Retired borrowers welcome
Jumbo Loan
Financing for luxury homes and high-value properties beyond conforming limits.
- Loan amounts up to $3M
- Competitive rates for well-qualified borrowers
- Primary residences & second homes
- No PMI with 20% down
Bridge Financing
Short-term loans that close in 3-7 days for time-sensitive transactions and quick liquidity.
- Close in as little as 3 days
- Short-term second mortgages
- Buy before you sell
- Flexible qualification
P&L Only Loan
No bank statements needed. Qualify using a CPA-prepared profit and loss statement.
- PTIN allowed
- P&L reviewed — not filed
- 12 months self-employment
- Great for freelancers & gig workers
HELOC
Home Equity Line of Credit — flexible access to funds when you need them.
- HELOC up to $3.5M
- Draw funds as needed, pay interest only on what you use
- CLTV up to 90%
- Flexible revolving credit line
Second Mortgage
Fixed-rate lump sum loan using your home's equity — keep your low first mortgage rate.
- Second lien up to $1M
- Fixed monthly payments
- CLTV up to 85% (primary)
- Investment properties eligible
DSCR 5-9 Unit
Multi-family property loans for business-purpose borrowers with flexible terms.
- Credit scores from 680
- Up to $2M, LTV up to 75%
- Vest in LLC or corporation
- Interest-only options
Conventional Loan
Fixed-rate mortgages for primary residences, second homes, and investment properties.
- Credit scores from 620-660
- Down payment as low as 3%
- Primary, second home & investment
- PMI cancellable at 20% equity
FHA Loan
Government-backed mortgage with lower down payments and flexible credit requirements.
- Down payment as low as 3.5%
- Credit scores from 580 with 3.5% down
- First-time homebuyer friendly
- 203(k) renovation loans available
VA Loan
Zero-down mortgage for Veterans, service members, and eligible surviving spouses.
- $0 down payment
- No Private Mortgage Insurance (PMI)
- Competitive interest rates
- VA IRRRL streamline refinance available
Recently Funded Loans
A snapshot of deals we've closed across the country for borrowers just like you.
Mahalo Mike and God bless 😇
There were some big hoops to jump through and you did it!
The clients are so happy to finally be in their new home here on Kauai; Congrats to you & your team 😊. Lisa
