Residential Home Loans
Purchase, refinance, and HELOC financing structured around your offer strategy, timeline, and cash position.
- Purchase, refinance, and HELOC programs
- Adjustable, fixed, and interest-only programs
Loan Programs
Residential and Commercial
Real Estate Financing
One principal, one underwriter, one decision. Explore the programs we structure in-house and source across a 50-state lender network.
Investment Financing
Flexible non-owner financing for investors buying, refinancing, or holding residential investment property.
- All dollar amounts, no maximum
- Flexible 1-4 unit Fannie Mae non-owner investment programs
No Tax Return Programs
Underwriting built on bank-statement cash flow for self-employed earners whose returns understate real income.
- Multiple programs that qualify from bank-statement cash flow
- Select programs combine documented income and bank-statement cash flow to qualify
Apartment & Commercial
Acquisition and refinance options for apartment buildings, owner-user properties, and commercial real estate.
- Acquisitions and refinances for all sizes and classes of properties
- A wide array of loan programs
Development & Construction
Ground-up, expansion, and rehabilitation financing for owner-builds and developers nationwide.
- All sizes and types throughout the country
- A team that understands every aspect of the development process
Foreign National Loan Program
Customized owner-occupied and investment financing for borrowers whose profile requires a tailored lender path.
- Highly customized programs to fit the needs of the borrower
- Owner-occupied and investment programs
Rates
Fannie Mae Conforming Limits
Conforming and high-balance loan limits by units. Above these thresholds, we structure jumbo and portfolio financing.
Current
2026 loan limit values
Applies to loans delivered to Fannie Mae in 2026.
| Property | Conforming | High-Balance Ceiling |
|---|---|---|
| 1 Unit | $832,750 | $1,249,125 |
| 2 Unit | $1,066,250 | $1,599,375 |
| 3 Unit | $1,288,800 | $1,933,200 |
| 4 Unit | $1,601,750 | $2,402,625 |
Previous
2025 loan limit values
Applies to loans delivered to Fannie Mae in 2025.
| Property | Conforming | High-Balance Ceiling |
|---|---|---|
| 1 Unit | $806,500 | $1,209,750 |
| 2 Unit | $1,032,650 | $1,548,975 |
| 3 Unit | $1,248,150 | $1,872,225 |
| 4 Unit | $1,551,250 | $2,326,875 |
Ready When You Are
Bring Us the Transaction That
Was Too Complex for Others
40+ years of expertise closing complex residential and commercial files. When speed, structure, and a real principal at the table matter most.
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