Programs designed for unique circumstances and elite properties.
Standard mortgage guidelines don't fit every financial story.
Whether you are a business owner with a complex income, a high-net-worth individual seeking a luxury property, or a senior looking to unlock your home's equity, we specialize in 'out-of-the-box' financing.
Jumbo Loans
When a home's price exceeds local "conforming" loan limits, a Jumbo loan provides the necessary capital with competitive rates and flexible terms.
Key benefits:
- High Loan Limits: Borrow millions for luxury primary residences or investment properties.
- Competitive Interest: Rates are often comparable to—or even lower than—standard conventional loans.
- Flexible Options: Available in both Fixed-Rate and ARM varieties to suit your portfolio strategy.
Self-Employed & Non-QM Loans
We believe entrepreneurs deserve a path to homeownership. Non-QM (Non-Qualified Mortgage) loans use alternative documentation—like 12 to 24 months of bank statements—rather than tax returns to verify your ability to repay.
Key benefits:
- Bank Statement Qualification: No W-2s or tax returns required; we look at your actual cash flow.
- Recent Credit Events: Shorter waiting periods after a bankruptcy or foreclosure compared to traditional loans.
- Flexible DTI: Allows for higher debt-to-income ratios for those with significant assets.
2-1 Buydown Loans
A 2-1 Buydown temporarily lowers your interest rate by 2% in the first year and 1% in the second year, helping you "ease into" your mortgage payment.
Key benefits:
- Immediate Savings: Lower monthly payments during your first 24 months of homeownership.
- Seller-Paid Options: Often funded by a seller credit, meaning no extra cost to the buyer.
- Predictable Steps: You know exactly when and how your rate will adjust to its permanent level.
Reverse Mortgage (For Seniors 55+)
A Reverse Mortgage allows homeowners to convert a portion of their home equity into tax-free cash without the burden of monthly mortgage payments.
Key benefits:
- Eliminate Monthly Payments: Stay in your home while increasing your monthly cash flow.
- Flexible Payouts: Receive funds as a lump sum, a monthly line of credit, or a combination.
- Non-Recourse Protection: You will never owe more than the home is worth, protecting your heirs.
Specialty loans require a specialized touch. These programs often have unique underwriting rules that big banks simply won't touch.
Ask a Specialty Lending Expert to see which of these custom programs fits your unique financial profile.
