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tough loans

Tough Loans

Moving? Looking for a dream or vacation home? Searching for an investment property? Have you been declined by a local Bank or Broker?

Our portfolio loans are tailored to meet your individual circumstances with in-house underwriting and decision-making. When your local Bank or Broker says "NO", we may have a "YES". Here are a few product highlights:

  • All types of purchase, refinance & cash-out refinance
  • 1-4 family (primary residence, second or vacation home & investment properties)
  • Income producing purchase or refinance commercial loans 
  • Up to 56% back ratio of FHA and VA loans upon AUS approval
  • New home construction (O/O, Investor, & Builder), fix and flip mortgage loans
  • Home renovation, FHA 203K or new home construction mortgage loans
  • New non-warrantable condos/ PUD1 & Co-ops
  • Individual, LLC, corporate, revocable or irrevocable trust ownership
  • Lite docs, stated income loan for self-employed or W2 only
  • Challenge credit who had problem in the past
  • Mortgage loan programs after bankruptcy, foreclosure or short sale
  • Down payment assistance program for qualified buyer
  • Foreign national loan programs
  • 90% LTV Jumbo loans (up to $1.5M) with no MI 
  • Varieties of Jumbo loan products (up to $5M) 
  • FHA, VA, and Conventional manufuctured home loans
  • Cash flow based investment property (no property limits)
  • 40 years/ 10 years interest only program (up to $2.5M)
  • Jumbo loan as low as 580 credit score

Please contact us through one of our team members or  email us a brief summary so we can find the best loan program for you. We make the mortgage process simple, fast, and hassle-free! Thanks for your business. Your satisfaction is our priority. We appreciate any referrals. 


Complete this 30 second form to receive a no obligation consultation. We will analyze your situation and determine the best solution.