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LOAN PROGRAMS

Financing mapped to
what you're building.

Three borrower types, three sets of programs. Find yours below.

SEC. 01 — RESIDENTIAL

Homeowners

Purchase and refinance loans for the home you live in — built around a rate and term you understand before you sign anything.

  • PurchaseFixed and adjustable-rate financing for buying a primary residence.
  • Rate & term refinanceLower your rate or change your loan term without pulling cash out.
  • Cash-out refinanceAccess home equity for renovation, debt payoff, or other use.
  • First-time buyerGuidance through documentation and down payment options for first purchases.
SEC. 02 — INVESTMENT

Investors

Financing that underwrites the property and the deal — not only your personal W-2 income.

  • Rental property loansPurchase or refinance a single rental property.
  • DSCR loansQualification based on the property's rental income rather than personal income documentation.
  • Portfolio financingFinancing structured across multiple investment properties held by one borrower or entity.
  • Fix-and-flipShort-term financing for value-add and resale projects.
SEC. 03 — CONSTRUCTION

Contractors

Draw schedules and disbursement built around your actual build timeline.

  • Construction-to-permanentOne closing covers the build and converts to a permanent loan once complete.
  • Ground-up constructionFinancing for new builds on owned or acquired lots.
  • Renovation & rehabFinancing for substantial renovation or rehabilitation projects.
  • Draw managementDisbursements released against inspection milestones tied to your build schedule.

Not sure which program fits?

Tell us about the property and the plan. We'll point you to the right one.

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