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OUR STORY

Experts in Unconventional Lending – Innovative Mortgage Solutions for Unique Borrowers

We founded this platform to simplify and clarify the world of alternative lending. Traditional mortgage financing often fails to meet the needs of today’s borrowers, leaving many without clear answers or viable solutions.

 

✅ We specialize in unique loan programs designed for real estate investors, self-employed borrowers, foreign nationals, and those with non-traditional income sources.

✅ No rigid bank rules. No unnecessary hurdles. Just practical financing options that fit real-life scenarios.

 

🔎 Find the Right Loan Fast

Looking for a specific loan? Or just exploring your options? Our Unconventional Loan Finder™ helps you quickly identify the programs that match your needs. Each loan page includes:

✔ Detailed program information

✔ A quick explainer video to get you up to speed

✔ Clear next steps to apply or learn more

 

🚀 Ready to Take the Next Step?

Choose how you'd like to move forward:

📞 Give Us a Call – Speak with an experienced Mortgage Loan Originator who specializes in unconventional loans.

📩 Drop Us a Line – Send us a message, and we’ll get back to you quickly.

📝 Start Your Application – Use our secure Apply Now button to begin the process.

 With over two decades of experience, we don’t just offer loan programs—we provide tailored solutions and exceptional customer service from start to finish.

Thanks for visiting—we look forward to helping you achieve your homeownership or investment goals!

Yours in successful homeownership,

Headshot image of Derek Bissen


Derek A Bissen

Loan Originator

NMLS# 365627

Unconventional Lending Program Director

Maximize your investment potential with the most flexible DSCR loan programs on the market. Whether you're financing long-term rentals, short-term rentals (Airbnb/VRBO), multifamily, or commercial properties, we have a solution for you. No tax returns, no personal income verification—just smart, cash-flow-based financing.

USE OUR DSCR

CALCULATOR »

REAL ESTATE INVESTORS!

We're Your #1 Source for the Widest Range of DSCR Loan Options Available!

👉 Get the right DSCR loan for your next big project.

Discover Your Loan Options Now »

Introducing the
Investor Power Pack Innovative Lending Solutions for Real Estate Investors!

Tired of rigid loan requirements? Power Pack delivers five unique DSCR loan programs designed for flexibility, speed, and ease. Whether you need low-credit solutions, no DSCR ratio requirements, rehab financing, or fast bridge loans, we’ve got you covered.

👉 More options. More flexibility. More deals closed.

Discover Your Loan Options Now »

GOT DOWN PAYMENT?

We are an Authorized Participating Lender in the Florida Hometown Heroes Program. Affordable Financing for First-Time Homebuyers with Down Payment Assistance for employees of Florida Businesses, Veterans, and other heroes in our communities.

LEARN MORE »

GOT DOWN PAYMENT?

We are an Authorized Participating Lender in the Florida Hometown Heroes Program. Affordable Financing for First-Time Homebuyers with Down Payment Assistance for employees of Florida Businesses, Veterans, and other heroes in our communities.

LEARN MORE »

SELF-EMPLOYED?

WE'VE GOT YOU COVERED.

The majority of our clients are Small Business Owners.  We have the loan programs you need and the experience of working with business owners just like you.

Discover Your Loan Options Now »

Use our ASSET-BASED LENDING programs to consider your liquid wealth portfolio as the income for your new loan, without sacrificing your investment or banking relationships.

Discover Your Loan Options Now »

Closeup picture of a stack of dollar bills with a miniature home resting on top.  Words stating title Asset Based Home Loans

Do you have

SUBSTANTIAL LIQUID WEALTH,

but show

LITTLE INCOME on your

TAX RETURNS?

BUSINESS OWNERS--NEED CASH OUT?

PRODUCT SPOTLIGHT:  BANK STATEMENT SECOND MORTGAGE

Discover Your Loan Options Now »

Get the cash you need while keeping your low interest rate first mortgage intact.

 

  • Bank Statement Income (NO TAX RETURNS REQUIRED)
  • Fixed Rate/ Fixed Payment / Stability
  • Choice of terms: 10, 15, 20, or 30 Year
  • Single lump sum payout
  • No prepayment penalty

 

UNCONVENTIONAL LENDING with FIDELITY FUNDING MORTGAGE CORP.

A Division of American Bancshares Mortgage

NMLS# 217378

759 SR 580  Suite 114,
Clearwater, FL  33761

Hours of Operation:

Mon - Fri: 9am-7pm EST

* in-person consultation by appointmentSat- Sun : Via Phone

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Letter "V" in red white and blue with words  We're a Veteran-Led Business

BEING DIFFERENT IS A

GOOD THING.

We live in a world of COLOR, not black & white. If a bank or credit union has denied your loan, it may be a limitation on their part, not yours.

Like you, we're different. Yes, we have a wide selection of loan programs, but just as importantly, we have the EXPERIENCE working with unique circumstances.

CONDOMINIUM

FINANCING

We offer a wide variety of programs to finance Condominiums of all sorts, including standard Condos, Non-Warrantable Condominiums, and even Condotels.

CANNABIS HOME

LOAN FINANCING

Employees and business owners in the Cannabis industry have unique lending needs.

We offer programs to cover Business owners, contractors and employees in the Cannabis Industry.

Discover Your Loan Options Now »

VA HOME LOAN FINANCING

Serving Veterans is in our DNA.  We are a Veteran-led business. The VA Home loan benefit may be the easiest VA benefit you'll ever use, and we work hard to ensure our Veterans receive a lending experience that is top-notch.

Discover Your VA Loan Options Now »