We offer every type of home loan.

But not all home loans are created equal.
Some build your future.
Most build the bank’s.

Since we can offer any type of mortgage (standard & specialty), we can help our clients find the best loan for their needs. Here are the 3 most popular alternatives to AIO with a few pros & cons.

30-Year Fixed

✅ Strengths:
• Predictable monthly payment
• Easy to qualify for
• Low down payment (3-5%)

⚠️ Weaknesses:
• Pays most interest up front
• Builds equity painfully slow
• You’ll pay 2–3x for your home

FHA Loans

✅ Strengths:
• Low down payment (3.5%)
• Lower credit score requirements
• Good for first-time buyers

⚠️ Weaknesses:
• PMI required for the entire loan
• Expensive MI closing costs
• Higher long-term cost

VA Loans

✅ Strengths:
• No down payment required
• No private mortgage insurance
• Competitive interest rates

⚠️ Weaknesses:
• VA funding fee applies
• Primary residences only
• No flexibility for investors

One Size Doesn’t Fit All. Let’s Find the Loan That Fits Your Life.

When it comes to financing real estate, most people default to whatever their bank or broker suggests — but the loan you choose shapes your financial future more than almost any other decision. Whether you're buying your first home, scaling an investment portfolio, or moving into your dream property, different loans solve different problems. The right loan can save you money, give you flexibility, and help you build wealth smarter and faster.

  • For investors, not occupants.
    DSCR loans are designed for real estate investors who want to qualify based on rental income — not personal income.
    No tax returns, no W-2s, no pay stubs. Just the property’s cash flow.

    Why choose DSCR?
    ✔ Qualify based on rental income
    ✔ Great for building portfolios
    ✔ Close deals fast, no personal income proof needed

    Good to know:
    If the rent covers the payment, you’re in business. These loans are built for investors who value speed and scale.

  • For entrepreneurs and self-employed earners.
    Traditional loans rely on tax returns — which often don’t reflect your real earnings if you write off business expenses. Bank Statement Loans flip that script. They use your actual deposits to calculate your income.

    Why choose Bank Statement Loans?
    ✔ Qualify based on 12–24 months of bank statements
    ✔ No tax returns, no W-2s
    ✔ Flexible and tailored for self-employed borrowers

    Good to know:
    Perfect for freelancers, business owners, and 1099 earners who need a loan that understands real-world income.

  • When your dream home doesn’t fit the conventional mold.
    Jumbo loans cover mortgages that exceed conforming loan limits — meaning bigger properties or luxury homes.

    Why choose Jumbo Loans?
    ✔ Borrow beyond conventional loan limits
    ✔ Competitive rates for high-value homes
    ✔ Flexible down payment options available

    Good to know:
    These loans are designed for larger real estate purchases, often with stricter credit, income, and reserve requirements — but they unlock access to high-value homes without breaking stride.

  • For non-citizen buyers who want to build wealth in the U.S.
    ITIN loans are designed for borrowers who don’t have a Social Security Number but do have an ITIN. Whether you’re new to the country or simply working without an SSN, this loan opens doors to homeownership and investment.

    Why choose ITIN Loans?
    ✔ No Social Security Number required
    ✔ Build credit and equity while working legally in the U.S.
    ✔ Flexible income and documentation options

    Good to know:
    This is a smart solution for immigrants and foreign nationals ready to own property and start building U.S.-based wealth.

  • For when traditional paperwork doesn’t tell the whole story.
    Lite Documentation loans simplify the process for self-employed borrowers or business owners who may not show enough income on paper — but still have the cash flow to cover the loan.

    Why choose Lite Doc Loans?
    ✔ Minimal paperwork compared to traditional loans
    ✔ Flexible proof of income (bank statements, P&L, or stated income)
    ✔ Ideal for entrepreneurs, investors, and non-traditional earners

    Good to know:
    A practical path for buyers whose real-world earnings outpace what tax forms reflect.

  • Short-term funding for when you need to move fast.
    A bridge loan helps you “bridge” the gap between buying a new property and selling your old one — so you don’t have to wait for your home to sell before making your next move.

    Why choose Bridge Loans?
    ✔ Buy your next home before selling the current one
    ✔ Avoid contingent offers
    ✔ Short-term, flexible repayment terms

    Good to know:
    Designed for homeowners and investors who need speed, not red tape.

The Right Loan Makes All the Difference.

Whether you’re buying your first home, upgrading, investing, or refinancing, there’s more than one way to get it done. Let’s talk about your goals — and find the loan that fits.