Experience the 80% Difference

12-24 Month P&L statement Mortgage

Our P&L Statement Mortgage is crafted specifically for the distinctive financial dynamics of self-employed borrowers. Recognizing that many such individuals make the most of tax codes by claiming various deductions and write-offs, traditional pathways, like using tax returns, may pose challenges. With our specialized loan, those challenges become opportunities. The loan requirements are straightforward: a P&L statement covering 12-24 months, diligently prepared by a licensed CPA, enrolled tax agent, or a qualified licensed preparer. We prioritize a smooth experience by necessitating a minimum FICO score of 660, coupled with a 20% down payment. And for those with grand visions, our offering extends to loan amounts up to $4 million. Perhaps the most liberating aspect is the absence of tax return requirements or any additional income documentation. Our P&L Statement Mortgage is more than just a loan; it's an acknowledgment of the entrepreneurial spirit, ensuring a home-buying journey tailored to your unique narrative.

Mortgages down to 500 FICO

When others say no, we say yes!

Embarking on the homeownership journey should be accessible to all, irrespective of credit score challenges. Recognizing this, we're pleased to offer FHA mortgages tailored for a broader range of credit profiles. Even if your FICO score is as low as 500, our doors are open. With a 10% down payment, you can step onto the path of owning your dream home. Our commitment lies in ensuring that a number doesn't define your home-buying aspirations. With our FHA mortgages, we aim to bridge the gap, bringing homeownership within reach.

Land Only Loans

Investing in Your Future Ground

For those envisioning a unique property or seeking a long-term land investment, our specialized Land Only Loans provide a solid foundation. With a minimum down payment of 35%, you can secure the plot that aligns with your aspirations. We cater to a wide range of financial capacities, offering loans from $100,000 up to $825,000. And while dreams shouldn't be limited by numbers, a FICO score of 660 or above will ensure your eligibility. Whether it's a canvas for your future home or an investment for generations to come, our Land Only Loans are designed to help you stake your claim.

Fix and Flip Loans

Seasoned investor? We didn't forget you!

Our Fix & Flip Loans are tailored for seasoned flippers with a track record—those who've bought and sold at least two properties in the past year. Qualification hinges on showcasing your success: provide closing statements from your projects and 12 or 24-month bank statements. No tax returns needed. With flexibility at its core, your Fix & Flip income can stand independently or be combined with other revenue. We offer loans up to $5M, accommodating down payments as low as 10% and credit scores down to 620. With a generous 50% debt-to-income ratio, our terms are designed to amplify your renovation returns.

1% Down Conventional

For first time homebuyers

 For those taking their first steps into homeownership, our 1% Conventional Mortgage is a game-changer. Designed with the first-time homebuyer in mind, this offering requires just a 1% down payment, paired with a minimum FICO score of 620. To illustrate its advantage, consider purchasing a $200,000 home: we'll contribute up to $2,000 or 2% of the home's value, easing your financial commitment. Thus, your initial investment is limited to just 1% of the home's cost, making the path to homeownership more accessible and affordable.

Bank Statement Loan

As little as 12 months only

Recognizing that traditional income documentation isn't suitable for everyone, we introduce our 12-24 Bank Statement Loans. Ideal for those with non-traditional income structures, this loan type offers flexibility and understanding. With a minimum FICO score of 600, borrowers can access this loan with just a 10% down payment. Whether you're purchasing a cozy abode or a grand residence, our offering extends generously, accommodating loan amounts up to $2 million. This program ensures that your financial story, as reflected in your bank statements, paves the way to your dream home.

1099 Mortgages

Only 1 year of 1099 required

In an evolving work landscape, we're proud to cater to the unique needs of 1099 sole proprietors and independent contractors. Whether you have no FICO score or a minimum of 599, our specialized mortgage program acknowledges your distinct financial profile. With just one year of work history as reflected on your 1099, you're eligible. Our terms are designed with accessibility in mind, requiring as little as 15% down. We recognize the growing community of independent professionals, and our tailored mortgages ensure they're not left behind in the homeownership journey.

Fannie Mae HomeReady

Discover the Power of Fanni Mae HomeReady

Elevate your home-buying journey with our Fannie Mae HomeReady program, a beacon of affordability and flexibility in today's market. This innovative mortgage offering stands out with its notably low rates, giving you financial ease without compromising on quality. Additionally, it prides itself on minimal risk-based price adjustments, ensuring you're getting some of the most competitive terms available. But that's not all—HomeReady further sweetens the deal with reduced mortgage insurance costs, significantly lowering your overall expenditure. Combine this with "The 80% Advantage" and our unparalleled dual expertise, and you've got a home-buying formula that's unmatched in value and convenience. With HomeReady, you're not just buying a home; you're embracing a smarter, more sustainable approach to homeownership.

Freddie Mac Home Possible

Your Pathway to Possibilities

Dive into a world of unparalleled home-buying opportunities with our Freddie Mac Home Possible program. Tailored for those who dream big but need a touch of flexibility, this program offers a blend of favorable terms that redefine what's possible in the mortgage landscape. Designed to serve a wide array of buyers, Home Possible ensures that aspirational homeownership is within reach, regardless of your background or previous buying experience. Alongside "The 80% Advantage" and our holistic expertise, the Home Possible program guarantees an approach where your aspirations meet affordability. Step into this realm, and witness a home-buying journey that not only meets but exceeds every expectation, turning possibilities into realities.

Foreign National Loan

Simplified Homeownership for International Buyers

Dive into U.S. real estate without the usual barriers. Our Foreign National Loan skips traditional checks, requiring no employment, housing history, income, or credit score. Just provide two credit reference letters, and you're on your way. Access substantial funding up to $1,500,000 with LTVs reaching 70%. With only 6 months of reserves needed (from business accounts too) and flexible title vesting in an individual’s name or LLC, this loan is your gateway to owning 1-2 unit properties. Paired with "The 80% Advantage", it's a seamless bridge to your American real estate dream.

“Working with this team transformed my home-buying experience. Their combined real estate and mortgage knowledge made things straightforward. The '80% Advantage' really eased the financial side. A genuine game-changer.”

- Jane Faber

- Ezekiel Face

- Taylor Greene

"Navigating home buying can be daunting, but with their dual expertise, everything felt so much simpler. The '80% Advantage' was just the cherry on top. Couldn't be happier with my decision."

- Sheila Marks

How it works