SELF-EMPLOYED BUSINESS OWNER, INDEPENDENT CONTRACTOR or ENTREPRENEUR?

If you're a successful business owner, but your tax returns don't tell the true story of your business, we offer loan programs that help us see beyond the tax returns to get a clearer picture of your business's true profitability.  

Just as importantly as the loan programs, we have the EXPERIENCE of working with business owners and independent contractors every day.  Trust in our expertise.

HAVE A SIGNIFICANT LIQUID WEALTH, BUT NOT ENOUGH "TAX RETURN" INCOME?

Many home buyers have a significant amount of wealth--either in a checking, savings, money market, stocks, or retirement accounts--but they lack enough income on their tax returns to qualify for a home loan.

We offer multiple ASSET-BASED LOAN PROGRAMS which allow us to use your liquid reserves as the income for loan approval purposes. We do not require that you move around your money simply to qualify for a mortgage, so you can rest easy and keep your key banking and investment relationships in place.

Our PRIVATE CLIENT PORTFOLIO PROGRAM has one of the most best blends of generous Asset Based Income and loan terms in the current marketplace. It is designed for well-qualified clients with significant liquid reserves.  The minimum down payment is 20%, and we will lend up to $20 MILLION.

Our FLEX ASSET BASED INCOME PROGRAM offers a generous asset-based income approach (84 Month amortization) and is designed for clients with moderate wealth. The program is flexible with past credit challenges, down to a 620 middle FICO score.  The minimum down payment is 10%, and we will lend up to $3 MILLION.

Our FLEX ASSET-MATCHING PROGRAM is designed for clients with an amount of wealth equal or greater than the new loan amount (after down payment and settlement charges). The program is flexible with past credit challenges, down to a 600 middle FICO score.  The minimum down payment is 10%, and we will lend up to $4 MILLION.