Financing solutions for every goal
Programs from 50+ wholesale lenders, matched to your situation and explained in plain language. If your scenario is unusual, that's exactly where an advisor earns their keep.
Conventional loans
The workhorse of home financing. The right structure — term, down payment, points, and occupancy — matters as much as the program itself, and that structure should follow your plans, not a default. Ready to move? You can start your initial application (Form 1003) right now.
- Fixed and adjustable terms; primary, second home, and investment occupancy
- Down payments from 3% for qualifying first-time buyers
- Appraisal waivers available on eligible files
FHA loans
Backed by the Federal Housing Administration, FHA loans offer flexible credit qualification and down payments as low as 3.5%. They're a strong fit for first-time buyers, borrowers rebuilding credit, or anyone whose debt-to-income ratio needs the extra room FHA guidelines allow.
- Down payments from 3.5% with a 580+ credit score
- More forgiving on past credit events than conventional
- County-specific loan limits — we verify your county's limit for you
VA loans
For veterans, active-duty service members, and eligible surviving spouses: zero down payment, no monthly mortgage insurance, and competitive rates. VA files reward experienced handling — entitlement math, funding-fee exemptions, and appraisal timelines all benefit from an advisor who has run them before.
- 0% down on purchases within entitlement
- No monthly mortgage insurance
- Funding fee waived for eligible disabled veterans
Jumbo loans
For loan amounts above conforming limits — common in coastal California, South Florida, and major Texas metros. Jumbo pricing varies dramatically between lenders because each sets its own guidelines. Guidelines vary significantly between lenders here, which is where having an advisor who knows each program's strengths pays off.
- Financing for high-value primary homes, second homes, and investments
- Full-doc, asset-depletion, and alternative documentation options
- Interest-only structures available for qualified borrowers
DSCR & Non-QM loans
Real estate investors and self-employed borrowers often don't fit standard documentation guidelines. Non-QM programs are designed for exactly these situations:
- DSCR loans: qualify on the property's rental income, not your personal tax returns. Ideal for building a rental portfolio.
- Bank-statement loans: qualify self-employed income using 12–24 months of bank deposits instead of tax returns.
- Asset-based programs: qualify on liquid assets for high-net-worth borrowers with complex income.
Foreign national loans
International buyers purchasing in the U.S. — with or without a Social Security number or U.S. credit history — have real financing options through specialized wholesale lenders. Sam works with foreign national programs regularly in both the Miami and Southern California markets, two of the top destinations for international real estate investment.
- No U.S. credit history required with qualifying programs
- ITIN and no-SSN options through select lenders
- Popular with investors buying Miami condos and Southern California property
Refinancing
Rate-and-term to lower your payment, or cash-out to put equity to work. A refi only makes sense when the numbers work — we'll run the break-even math with you honestly, and if the answer is "wait," that's what we'll tell you.
- Rate-and-term, cash-out, and streamline (FHA/VA) options
- Debt consolidation and home-improvement cash-out strategies
- Honest break-even analysis — if the smart answer is "wait," that's the answer you'll get
Commercial & SBA real estate
Buying a building for your business, an office, retail, warehouse, or multi-family property? Sam advises on commercial real-estate financing alongside residential — including owner-occupied purchases where SBA programs can significantly reduce the down payment.
- Owner-occupied commercial purchases, including SBA 504 and 7(a) structures
- Investment commercial and 5+ unit multi-family
- 1031 exchange financing coordination
Not sure which program fits? That's the job. Tell Sam your scenario — income type, property, goals — and get a straight answer about which programs actually pencil. Start the conversation →
Not sure which path fits? That's what the conversation is for.
Tell Sam your goals and get a straight recommendation — no obligation.
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