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Home · First-time buyer · FHA

Cover — Path to your keys

Buy a home with clarity, not jargon

Conventional, first-time programs, FHA, and down-payment help — turn the page for program grid and next steps.

English & Spanish — we walk numbers with you, step by step.

Message us your scenario

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Home financing — details

Home purchase — program snapshot

Conventional: min. 620 · 5% down
HomeReady / Possible: min. 620 · 3% down · gifts OK
FHA: 620 FICO · 97% LTV · 3.5% down · manual UW
DPA: Click n' Close partner

Manual underwriting when an automated "no" still deserves a human look. Hacemos subasta manual cuando un "no" automático merece revisión humana.

Next step

Message your scenario — we walk income, credit, and savings in plain language (English & Spanish).

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Non-QM

When the file is real life

Non-QM with human sense

Self-employed, bank statement, ITIN, DSCR — minimum 620 (640 on noted programs). Details on page 4.

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Non-QM — full guidelines

Non-QM (most popular now)

Minimum 620 score (640 on noted programs below). These loans do not go through regular Fannie Mae / Freddie Mac findings. Los préstamos más populares ahora son los Non-QM (mín. 620; en varios programas mín. 640): no pasan por findings regulares.

Self-employed: qualify with profit & loss. Usamos P&L para calificar.
Bank statement: income based on deposits in your accounts. El ingreso se calcula según depósitos.
ITIN borrowers (no SSN).
Investment / DSCR: no traditional income required; qualification uses property value + market rent for the area. Propiedades de inversión con ratio DSCR — sin income tradicional.
Minimum 640 score where applicable per program

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HELOC

Tap your equity with a plan

HELOC — second lien options

Remodels, consolidation, and flexibility — score and draw-period specifics on page 6.

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HELOC — eligibility & use of funds

HELOC (2nd lien)

Second lien to pull equity from your home for remodels, paying bills, and more. Segundo gravamen para sacar capital de tu casa (remodelaciones, pagar cuentas, etc.). Multiple HELOC types; depending on eligibility, roughly 640–680 score and 3–5 year draw periods.

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Investor

Build · renovate · exit

Fix & flip capital

Purchase + renovation for sale or rent — ideal when construction is your business. Details on page 8.

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Fix & flip — investor summary

Property fix & flip

For investors who want purchase money plus renovation funds, for sale or rent. Para inversionistas que compren la casa + el dinero de remodelación; ideal si tienes negocio de construcción.

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Business

Capital for owners

SBA & business growth

Inject capital into projects and expansion — narrative continues on page 10.

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SBA / business lending

SBA loans

Business loans for owners injecting capital into projects and growth. Préstamos para empresas que quieren capital para proyectos y crecimiento.

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Refi

Same home, smarter loan

Refinance with intent

Rate & term, cash-out, and more — which structure fits your goals is on page 12.

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Refinances — options

Refinances

Full range of refinance options — rate & term, cash-out, and more. Ask which program fits your goals and timeline.

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Commercial

Income property

Commercial CRE for scale

Hotels, multifamily, and similar assets — who this is for on page 14.

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Commercial real estate

For larger investors buying commercial income property — hotels, apartment buildings, and similar assets. Para inversionistas grandes: hoteles, edificios departamentales, etc.