First in Service. First in Trust. First for You

Where exceptional service meets every mortgage need as we guide you home with service that comes first

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Luxury Borrowers

  • Where Exceptional Service Meets Elite Financing
  • A Higher Standard of Mortgage Experience
  • Precision Lending for Life’s Most Important Investments
  • White-Glove Service. First-Class Financing.
  • Because Your Mortgage Experience Should Match Your Lifestyle
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    First-Time Homebuyers

  • Your First Home Starts with the Right Guidance
  • Turning First-Time Buyers into Confident Homeowners
  • Simple Steps. Trusted Guidance. Your First Home.
  • We Make Your First Mortgage Feel Easy
  • From First Questions to First Keys—We’re with You
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    Referral Partners

  • The Lending Partner Who Makes You Look Good
  • Closing Loans Faster Strengthens Your Relationships
  • Reliable Execution = Exceptional Client Experience
  • Your Reputation, Protected by Our Performance
  • Where Great Partnerships Close More Deals
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    We're Here for You...

    Every step of
    the way

    We understand the mortgage and refinance process can be stressful. That's why we're here as your partners to finance the home of your dreams with full transparency and clarity

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    See how Simple
    it can be...

    Using the 1st 2nd Mortgage Loan App guides you through your mortgage financing and connects you directly to your loan officer and realtor.

    What Clients Are Saying About Us!


    Traditional Loan Options

    Conventional Loans

    A conventional loan is a type of loan that is not insured by the government. Conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

    FHA Home Loans

    FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

    VA Loans

    VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no ...

    Jumbo Loans

    A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is  $832,750   in...

    Non-QM Loans Options

    Choose from a wide range of flexible loan solutions tailored to your unique financial situation.

    DSCR

    Min. FICO 620 Up to 80% CLTV

    Close DSCR loans with fast turn times

    • Credit for DSCR >1.25
    • No income, no employment
    • Short-term rentals up to 80% CLT

    12/24 Month Bank Statement

    No Score or FICO 620 Up to 90% CLTV

    A perfect fit for self-employed borrowers

    • Personal, business, or combined bank statements
    • Min. 3 months of reserves
    • Concierge service for income calculation

    ITIN

    Min. FICO 660 Up to 70% CLTV

    Expand your mortgage portfolio for borrowers without an SSN

    • Min FICO 660 and up to 70% CLTV for Super Prime
    • Min FICO 700 and up to 70% CLTV for Prime
    • Loan amounts up to $1.5 million

    WVOE

    No Score or FICO 620 Up to 80% CLTV

    A loan solution for salaried borrowers with no tax returns

    • Bank statements not required up to 70% LTV
    • Min. 3 months of reserves
    • No tax returns required

    Asset Utilization

    Min. FICO 620 Up to 80% CLTV

    An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed

    • Qualifying assets / 60 months
    • Min. 3 months of reserves
    • Loan amounts up to $4 million

    Foreign National DSCR

    No Score or FICO 660Up to 75% CLTV

    Qualify foreign nationals seeking investment properties with minimal documentation and fast closings

    • Loan amounts up to $3 million
    • Cash-out allowed
    • DSCR <1 requires min FICO 680 or no FICO

    1Y + 2Y P&L

    Min. FICO 660 Up to 80% CLTV

    The easiest alternative solution for self-employed borrowers

    • P&L reviewed by licensed CPA, CTEC registered preparer, or IRS enrolled tax agent
    • Bank statements not required up to 70% LTV
    • Loan amounts up to $2.5 million

    1099

    No Score or FICO 620 Up to 85% CLTV

    An ideal loan for sole proprietors or contract individuals

    • 1099s for the last 1 year
    • 1-year history with the same employer
    • Gift funds allowed

    Have Questions? We're here to help

    Monday - Friday 9 a.m. - 5 p.m.
    Saturday - 10 a.m. - 3 p.m.

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