Lending Solutions for
Real Estate Financing
What We Offer
Conventional Loans
Conventional loans offer flexible financing for home purchases or refinances in New York, tailored to various property types.
√ 620+ FICO score required
√ Up to 97% LTV for purchase/rate-term refinances
√ Terms of 8, 7, 10, 20, or 30 years
√ Available for manufactured homes, co-ops, condos, and PUDs
Conventional Cash-Out 90
Conventional Cash-Out 90 provides high-LTV refinancing without mortgage insurance for primary residences.
√ 680+ FICO score required
√ Up to 90% LTV, up to conforming loan limits
√ 30-year fixed term only
√ Max DTI up to 50% per DU/LPA
FHA Loans
FHA Loans make homeownership accessible for borrowers who may not qualify for conventional financing.
√ 580+ FICO up to 97.75% LTV
√ Available for purchase, rate/term, and cash-out refinances
√ Supports single- and multi-wide manufactured homes
√ Jumbo loans from $1 over conforming limit to FHA maximum
Bank Statement Loans
Bank Statement loans qualify self-employed borrowers using bank statements instead of traditional income verification.
√ 600+ FICO up to 90% LTV
√ Primary, second homes, and investment properties eligible
√ 12- or 24-month personal/business bank statements accepted
√ Loan amounts up to $20M with flexible DTI options
HELOC
A Home Equity Line of Credit (HELOC) offers flexible access to home equity for primary or second homes.
√ 680+ FICO up to 89.99% CLTV
√ Primary and second homes eligible
√ Loan amounts from $10K to $25M
√ Interest-only payments with 10-year draw period
Hard Money Loans
Hard Money Loans provide fast, flexible financing for real estate investors tackling short-term projects.
√ Up to 75% of purchase price
√ Rates from 8.00%, terms of 12-24 months
√ $50K-$150M+ loan options
√ Funding in as little as 2 weeks
Fix & Flip Loans
Fix and Flip Loans fuel renovation projects with high-LTV financing and full rehab cost coverage.
√ Up to 93% LTC, 100% rehab costs
√ Rates from 8.00%, 12-24 month terms
√ $50K-$150M+ loan options
√ Funding in as little as 2 weeks
Non-Qualified Mortgages (NonQM)
NonQM loans offer flexible financing for self-employed investors using alternative qualification methods.
√ Qualify with bank statements, asset depletion, or profit/loss
√ For owner-occupied, second homes, and investment properties
√ Loan amounts from $200K to $10M
√ Interest-only payment options available