Loan Programs
Explore the right mortgage program for your situation.
Not every borrower fits inside a traditional mortgage box. That's why I work with a variety of alternative financing programs designed to help borrowers explore different ways to qualify.
Every family's path to homeownership is different. My job is to help you find the right mortgage program for your situation, your income, and your budget.
Let's Talk About Your OptionsEligibility depends on applicable loan program, investor, and underwriting guidelines. Nothing here is a promise of approval or a guarantee of financing.
I never promise loan approval or guaranteed financing. Requirements depend on the applicable loan program, investor, and underwriting guidelines, along with your credit, income, and eligibility. My job is to help you explore the options that may fit your situation.
Program 01
Conventional Loans
A traditional mortgage option with flexible qualifying and low down payment choices for eligible borrowers.
Let's Talk About Your OptionsProgram benefits
- 3% down payment options for eligible borrowers.
- 5% down payment options.
- First-time homebuyer options.
- Primary residence financing.
- Flexible qualifying options depending on credit, income, and eligibility.
Program 02
FHA Loans
A first-time homebuyer friendly option with a low down payment and flexible qualifying guidelines.
Let's Talk About Your OptionsProgram benefits
- Down payments as low as 3.5% for eligible borrowers.
- Flexible qualifying guidelines.
- First-time homebuyer friendly.
- Options for borrowers with different credit profiles.
- Primary residence financing.
Program 03
Down Payment Assistance Programs
Help eligible buyers explore programs that may assist with their down payment and closing costs.
Funding, availability, income limits, property requirements, and eligibility vary.
Let's Talk About Your OptionsProgram benefits
- Down payment assistance.
- First-time homebuyer programs.
- Local and state housing assistance programs.
- Specialized community lending programs.
- Available second mortgage assistance programs where applicable.
Program 04
ITIN Mortgage Programs
Home financing solutions for borrowers using an Individual Taxpayer Identification Number (ITIN).
Let's Talk About Your OptionsProgram benefits
- Options for borrowers without a Social Security number.
- Alternative income documentation depending on the program.
- Options for self-employed borrowers.
- Flexible qualifying guidelines.
- Financing opportunities for eligible ITIN borrowers.
Program 05 · DACA Borrowers Welcome
Your Journey Is Unique. Let's Explore Your Homeownership Options.
Having personally experienced the DACA journey, I understand how important it is to have someone willing to listen, explain the options, and help explore available financing solutions.
I welcome conversations with DACA recipients and can help explore mortgage options based on current investor and program guidelines.
I do not promise automatic eligibility. Requirements depend on applicable loan program and investor guidelines.
Non-QM Mortgage Programs
Not every borrower fits inside a traditional mortgage box.
That's why I work with a variety of alternative financing programs designed to help borrowers explore different ways to qualify. I specialize in Non-QM lending and have experience helping borrowers who don't necessarily fit traditional mortgage guidelines.
12-Month Bank Statement Loans
Qualify using eligible personal or business bank statements. Great options for self-employed borrowers.
- Qualify using eligible personal or business bank statements.
- Great options for self-employed borrowers.
- Alternative income documentation.
- Income calculations based on applicable program guidelines.
24-Month Bank Statement Loans
Eligible personal or business bank statement documentation with alternative income calculations for business owners and self-employed individuals.
- Eligible personal or business bank statement documentation.
- Alternative income calculations.
- Options for business owners and self-employed individuals.
- Flexible documentation depending on the program.
DSCR Loans, Real Estate Investors
Investment property financing for investors looking to grow their real estate portfolios.
- Investment property financing.
- Qualification based primarily on the property's rental income rather than traditional personal income calculations.
- Options for eligible rental properties.
- Financing solutions for investors looking to grow their real estate portfolios.
1099 Mortgage Programs
Designed for independent contractors and 1099 earners who don't have traditional W-2 income.
- Designed for independent contractors and 1099 earners.
- Alternative income calculations.
- Options for borrowers without traditional W-2 income.
- Flexible documentation depending on the program.
Additional Non-QM Programs
Beyond bank statement, DSCR, and 1099 programs, I work with additional Non-QM and alternative financing options for unique situations.
Asset utilization
Alternative income documentation
Specialized financing options
Other niche mortgage programs
Flexible lending solutions
The message
Self-employed? Business owner? Independent contractor? Real estate investor? No problem. Let's explore the right mortgage program for you.
Not sure where to start?
Let's find the right program for you.
Tell me about your income, your goals, and your situation. I'll help you understand which programs may fit and explain your options in plain language.
Self-employed? Start here Investor? Start hereTell me about you
Fill out the form and I'll get back to you with a clear next step. Hablamos español.