Specialty Loans

Investment Loan

Investment Loans are loans that allow individuals or businesses to borrow money to invest in various financial assets, such as stocks, bonds, mutual funds, or real estate. The loan is secured by the investment portfolio itself, which serves as collateral for the loan.

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USDA (United States Department of Agriculture) Loans are designed to encourage homeownership in rural areas. These loans are available to eligible borrowers who meet certain requirements, including income limits and the location of the property they want to purchase.

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Construction Loan

Construction Loan is a type of short-term financing designed to help individuals or businesses fund the construction or renovation of a new property. It provides funds to cover the costs associated with the construction process, such as materials, labor, permits, and other expenses.

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Renovation and Rehab Loan

Renovation and Rehab Loans are financial products designed to help homeowners finance the cost of renovating or improving their existing property. These loans are specifically intended for the purpose of making repairs, renovations, or upgrades to a home.

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Commercial Real Estate Loan

Commercial Real Estate Loans are loans specifically designed to meet the financial needs of businesses. These loans are used by businesses to fund various operational or investment activities, such as expansion, real estate acquisition, and other business-related expenses.

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Specialty Loans (Non-QM)

Specialty Loans (Non-QM) are loans that cater to specific needs or circumstances beyond traditional lending options. These loans are designed to address unique situations that may not fit within the criteria of conventional loans. Here are a few examples of specialty loans:

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Hard Money Loan

Hard Money Loan is a type of short-term financing typically used in real estate transactions. It is provided by private investors or companies, often referred to as hard money lenders, rather than traditional financial institutions like banks. Hard money loans are secured by the value of the property being purchased.

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Land Loan

Land Loan including agriculture land loan is a type of loan specifically designed to finance the purchase of vacant land or undeveloped property. Unlike a mortgage loan used to purchase an existing home or property, a land loan focuses solely on the land itself.

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Reverse Mortgage

Reverse Mortgage is a type of loan available to homeowners, typically elderly individuals, that allows them to convert a portion of their home equity into cash while retaining ownership of the property. Unlike traditional mortgages, where borrowers make monthly payments to the lender, a reverse mortgage provides funds to the homeowner. Although there are “no monthly mortgage payments”, the borrower will continue to be responsible for paying property taxes, homeowners insurance, property charges, and maintaining the home.

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Home Equity Line of Credit (HELOC)

HELOC is a type of revolving credit that allows homeowners to borrow against the equity in their home. It is a loan arrangement where the borrower has access to a predetermined credit limit and can withdraw funds as needed, similar to a credit card. The equity in a home is the difference between the home’s current market value and the outstanding mortgage balance.

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Our Process Made Easy and Simple


Provide basic financial information to see your qualification


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Complete application and provide detailed financial documentation


Underwriting & Approval

Our underwriting team will review the application, verify financial information, creditworthiness, and property appraisal to determine loan approval based on their criteria and conditions.



Welcome to your new home!