01
First Time Home Buyer
New to home buying? We can help you:
- Get tax credits of up to 20% of your mortgage interest
- Find local down payment assistance programs
- Navigate first-time buyer programs for better rates
Loan Programs
Lending programs shaped around real borrower situations.
Explore flexible financing paths for first-time buyers, unique income profiles, FHA borrowers, and homeowners who want to use equity more strategically.
Current Program
Unique Situations
Facing mortgage challenges? Call us today at (408) 900 6789 for a personalized consultation.
Choose a lending path
Unique Situations
Facing mortgage challenges? Call us today at (408) 900 6789 for a personalized consultation.
Unique Situations
Facing mortgage challenges? Call us today at (408) 900 6789 for a personalized consultation.
02
Low Income
DTI limit is usually 43%, but we can help improve qualification:
- Higher DTI lenders
- Asset-to-income conversion
- Non-QM loan options
03
Credit Problem
If credit score is low, we can help:
- Credit repair options
- Lenders accepting 500+ scores
- FHA / Non-QM programs
04
Need Cash
Need liquidity from home equity?
- Cash-out refinance up to $2M
- Reverse mortgage options
05
Short Job History
If employment history is limited:
- Foreign work experience accepted
- Education-based qualification
- 6-month employment lenders
06
Short Down Payment
We help maximize buying power:
- 80/10/10 structure
- Gift funds allowed
- 401k / insurance loans
- Low down programs (FHA, VA, 1%)
07
No Green Card
We support non-US citizens:
- Visa mortgage programs
- No SSN options
- Special lenders for foreigners