Specialty & Non-QM Loan Programs
Beyond standard Conventional, FHA, VA & USDA programs — the specialty financing we arrange across our network of lending partners.
Qualify on your real income
When tax returns don’t tell your story, these programs read bank statements, 1099s, assets or a property’s own cash flow.
Non-QM Loans (overview)
Great borrowers don't always fit the agency box — Non-QM qualifies you on the full picture.
Learn moreDSCR Loans
Qualify on the rent, not your tax returns — financing built for rental investors.
Learn moreBank Statement Loans
Self-employed? Qualify on your deposits, not your tax returns.
Learn more1099 Income Loans
Independent contractor? Qualify on your 1099s, not your net returns.
Learn moreAsset Depletion Loans
Asset-rich, income-light? Qualify on your savings and investments.
Learn moreITIN Loans
No Social Security number? With an ITIN, homeownership is still within reach.
Learn moreForeign National Loans
Financing paths for buyers without U.S. citizenship or a traditional U.S. credit history.
Learn moreFor the property the bank won’t touch
Unique buildings, builds, renovations and timing plays — the files conventional lenders decline are our specialty.
Non-Warrantable Condo Loans
Told a condo is “non-warrantable”? That's a lender problem, not a you problem — and we solve it.
Learn moreInvestment Property Loans
Qualify investment purchases on the property's cash flow — no tax returns or pay stubs required.
Learn moreDown Payment Assistance
Assistance that helps qualified buyers cover the down payment and get into a home sooner.
Learn moreRenovation Loans
Buy-and-renovate or refinance-and-renovate — one loan covers the home and the work.
Learn moreConstruction Loans
Build from the ground up with a single closing that converts to permanent financing.
Learn moreBridge Loans
Use the equity in your current home to buy the next one before you sell.
Learn moreHard Money Loans
Asset-based financing for investors — fast closings when the deal can't wait for a bank.
Learn moreCommercial Mortgages
Financing for income property and owner-occupied commercial real estate.
Learn moreManufactured Home Loans
Home-and-land or home-only financing for manufactured and mobile homes.
Learn moreLocal, where it counts
Rhode Island and Massachusetts pages for our most-requested investor and self-employed programs.
DSCR Loans in Rhode Island
Finance Rhode Island rentals on their cash flow — from Providence triple-deckers to South County beach houses.
Learn moreDSCR Loans in Massachusetts
Finance Massachusetts rentals on their cash flow — from Boston-area multifamily to investment condos.
Learn moreBank Statement Loans in Rhode Island
Self-employed in Rhode Island? Qualify on your deposits, not your tax returns.
Learn moreBank Statement Loans in Massachusetts
Self-employed in Massachusetts? Qualify on your deposits, not your tax returns.
Learn moreNon-Warrantable Condo Loans in Rhode Island
Found a Rhode Island condo a lender won't touch? Non-warrantable coastal and resort condos are one of our specialties.
Learn more