Every program, in one place.
We are a broker, not a single lender, so the right program is whichever one your file actually fits. This is the full directory - 40+ lenders behind it, arranged in Florida and Texas.
Investor & Non-QM
Qualify on the asset, the deal, or the deposits instead of tax returns. Built for investors, self-employed borrowers, and anyone conventional underwriting turns away for the wrong reasons.
DSCR Loans
Qualify a rental on its own cash flow. No tax returns, no DTI, no cap on financed properties, closes in an LLC.
Hard Money LoansSoon
Short-term, asset-based financing when speed beats price.
Fix & Flip LoansSoon
Purchase plus rehab draws on a 12-18 month term.
Bridge LoansSoon
Buy before you sell, or stabilise before permanent financing.
Rental Portfolio LoansSoon
One loan across 5+ doors, one payment, one closing.
Short-Term Rental LoansSoon
Qualify an Airbnb or VRBO on projected nightly revenue.
Bank Statement LoansSoon
12-24 months of deposits in place of tax returns.
Asset Depletion LoansSoon
Convert liquid assets into qualifying income.
No-Income-Verification MortgageSoon
What actually exists post-Dodd-Frank, and what does not.
Foreign National MortgageSoon
US property financing with no US credit or SSN.
LLC MortgageSoon
Title and debt in the entity, for liability separation.
1-4 Unit Investment Property LoansSoon
Duplex through fourplex, conventional and DSCR side by side.
Multifamily 5+ LoansSoon
Where residential ends and commercial underwriting starts.
Construction-to-PermanentSoon
One close, construction draws rolling into a permanent loan.
Ground-Up ConstructionSoon
Land plus vertical build for investors and builders.
Blanket & Cross-Collateral LoansSoon
Multiple properties as combined security.
1031 Exchange FinancingSoon
Debt that closes on the exchange clock.
Commercial MortgageSoon
Mixed-use, retail, office, and industrial.
Refinance
Every refinance lane, with the break-even math on the page rather than in a follow-up call.
Refinance Overview
The four refinance lanes and how to pick one.
Cash-Out Refinance
Replace your loan with a larger one and take the difference.
Debt Consolidation
Roll high-rate balances into one secured payment.
Streamline Refinance
Reduced docs, usually no appraisal, for existing government loans.
Rate & Term RefinanceSoon
Lower the rate, shorten the term, or both.
FHA Streamline RefinanceSoon
The FHA-to-FHA path, and what it does not require.
VA IRRRLSoon
The VA interest-rate reduction refinance loan.
No-Closing-Cost RefinanceSoon
Lender credits, and the rate you trade for them.
Investment Property RefinanceSoon
Rental refinancing, conventional and DSCR compared.
Refinance to Remove PMISoon
Dropping FHA MIP by moving to conventional.
High-LTV RefinanceSoon
Options when equity is thin.
Second Home RefinanceSoon
How pricing shifts on a non-primary residence.
Condo RefinanceSoon
Warrantability, HOA review, and non-warrantable options.
Refinance After DivorceSoon
Buying out an ex-spouse's interest.
HELOC vs Cash-Out RefinanceSoon
Which tool fits which need.
Purchase
Buying, from first home to jumbo.
Buy a Home
The purchase path, start to close.
First-Time Buyers
Down payment, credit, and what actually blocks approvals.
FHA Loans
Low down payment with flexible credit.
VA Loans
No down payment for eligible service members.
Jumbo Loans
Above conforming limits.
Fixed-Rate Mortgage
One rate for the life of the loan.
Adjustable-Rate Mortgage
Lower initial rate, defined adjustment windows.
Home Equity
Access equity without disturbing a low first-mortgage rate.
HELOC
A revolving line secured by your equity.
Home Equity LoanSoon
A fixed-rate second lien with a set term.
Calculators
Run the numbers first. Every calculator shows APR alongside the payment, and nothing requires a credit check.
