Residential Mortgages

We offer a wide range of programs including conventional loans, FHA loans, VA loans, USDA loans, jumbo mortgages, and specialized options such as bank statement loans or DSCR loans. Each program is designed to meet different borrower needs.
Down payments vary by loan type. FHA loans can be as low as 3.5 percent, VA loans and USDA loans often require no down payment, while conventional loans typically start at 3 to 5 percent.
Yes, refinancing options such as rate and term refinances, cash-out refinances, and streamline refinances may reduce your monthly payment, shorten your loan term, or allow you to access home equity.
VA loans are available to eligible veterans, active-duty service members, certain members of the National Guard and Reserves, and surviving spouses. These loans offer benefits such as no down payment and no private mortgage insurance.
A home equity line of credit (HELOC) provides flexible access to funds as you need them, while a home equity loan gives you a lump sum upfront with fixed payments. Both allow you to use your home’s equity for major expenses.

Commercial Loans

We provide financing solutions including but not limited to commercial real estate loans, bridge loans, DSCR loans, construction loans, and fix-and-flip loans.
Yes, commercial ground-up construction loans are available to finance new developments, from retail centers to multi-family housing projects.
A DSCR (Debt Service Coverage Ratio) loan is based on the property’s rental income rather than the borrower’s personal income, making it ideal for investors building real estate portfolios.
Bridge loans provide short-term financing to cover expenses between property purchases, renovations, or while waiting for permanent financing. They are commonly used for time-sensitive opportunities.
Industries such as hotels, assisted living facilities, childcare centers, convenience stores, medical offices, manufacturing, and franchise businesses may qualify for SBA financing.

Business lending provides financing solutions for entrepreneurs and business owners to start, grow, or expand their operations. Options include SBA loans, franchise financing, equipment loans, working capital, and startup funding.
Yes, SBA loans and certain business lending programs are designed to help startups with working capital, equipment purchases, or franchise launches, even without a long operating history.
SBA 7(a) loans are flexible and can be used for real estate purchases, equipment financing, working capital, refinancing existing debt, or funding business expansions.
Yes, franchise financing is available to help entrepreneurs purchase, expand, or remodel franchise locations with favorable terms.
Working capital loans help cover everyday expenses like payroll, inventory, and operating costs, allowing businesses to stay financially stable and focus on growth.