Loan programs built around your situation
We're a wholesale-based mortgage broker, which means we shop your loan across multiple lenders and pick whichever one gives you the best combination of rate, fees, and closing timeline. Here's the full menu.
Conventional Loans
The flexible standard, ideal for borrowers with solid credit and steady income.
- Credit scores 620+ (best pricing above 740)
- Down payments from 3% to 20%+
- Primary homes, second homes, and investment properties
FHA Loans
Built for first-time buyers and borrowers rebuilding credit.
- Credit scores 580+ (500-579 with 10% down)
- First-time buyers
- Borrowers with higher debt-to-income ratios
VA Loans
A thank-you to veterans, zero down and some of the best rates on the market.
- Active-duty service members
- Veterans with qualifying service
- National Guard and Reserve (with service requirements)
USDA Loans
Zero-down financing in qualifying rural and suburban areas.
- Buyers in USDA-eligible geographic areas
- Low-to-moderate income households
- Primary-residence purchases only
Jumbo Loans
Financing above conforming limits, without the big-bank runaround.
- Loan amounts above the conforming limit in your county
- Borrowers with strong credit (700+ typical)
- Buyers of luxury primary homes, second homes, or investments
Refinance
Lower your rate, shorten your term, or pull cash out, we'll run the numbers honestly.
- Homeowners with rates above current market
- Borrowers wanting to drop FHA MIP by switching to conventional
- Homeowners with equity who want to tap cash for renovations or debt payoff
Home Equity Line of Credit
Tap your home's equity on demand. Draw what you need, pay interest only on what you use.
- Homeowners with at least 15-20% equity
- Borrowers with strong credit (680+)
- Variable cash needs: staged renovations, tuition, business capital
Investment Property Loans
Financing for rentals, flips, multi-units, and second homes, with programs that work around your W-2 income.
- First-time real estate investors looking at NKY / Cincinnati for cash flow
- Existing landlords expanding the portfolio
- Self-employed investors without clean tax returns
Self-Employed Mortgage Loans
Mortgages that qualify on your actual income, not the strict W-2 playbook.
- 1099 contractors, consultants, and freelancers
- Small-business owners (LLC, S-corp, sole prop)
- Real estate agents, investors, and gig-economy workers
Other programs we close every month
We write these regularly but keep the details off a standalone page. If one fits your situation, pick up the phone and Lee will walk you through the current options.
- 10-year fixed · Fast payoff, lowest total interest
- 20-year fixed · Middle ground between 15 and 30
- 1-year / 3-year / 5-year ARM · Intro-rate adjustable structures
- Home Equity Line of Credit (HELOC) · Access equity without a full refi
- Non-owner-occupied / investor · Rental and second-home financing
- 2-4 unit multi-family · Owner-occ and investment
- Full-doc / bank-statement · Options for self-employed
- Commercial · Small-balance commercial real estate
That's the point of a broker
Send us your situation and we'll come back with the 2-3 loan programs that make the most sense, with real numbers. No pressure, no obligation. 100+ A-rated wholesale lenders shopped for your file.