Financing is a Strategy,
Not a Checklist

The Right Tool for the 
Right Plan

Most people don’t realize how disconnected the process can get — one lender says one thing, another program says something else, and nothing aligns.
That’s why we build the plan first. Then we choose the tools that fit it.

We design the financial strategy, not a list of options. Every lender, every loan, and every program we use serves a single goal — building a system that gets you to the closing table with clarity and control.

Our Strategic Toolkit

• Down Payment Assistance Programs:

  The core of many strategies. We use these programs to cover your down payment, often allowing you to buy with little to no money out of pocket.

• FHA Loans:

  A flexible tool ideal for first-time buyers, requiring as little as 3.5% down.

• Conventional Loans:

  A popular choice with competitive rates, often requiring 3% down and a credit score of 620 or higher.

• VA Loans:

  A powerful, zero-down benefit we help our veterans and active-duty military clients secure.

• ITIN Loans:

  A specialized plan for individuals with an Individual Taxpayer Identification Number.

• Owner Financing:

  An alternative where the seller finances the purchase, often with more flexible credit requirements.

• Jumbo Loans:

  For high-value properties that exceed conforming loan limits.

• USDA Loans:

  Government-backed loans for eligible rural homebuyers, often requiring no down payment.

• Physician Loans:

  A specialized strategy for medical professionals, often with no down payment and flexible underwriting.

• Bank Statement Loans:

  The perfect solution for self-employed clients, using bank statements to verify income.

• DSCR Loans:

  A key tool for investors. Qualification is based on the property's income, not your personal income.