Sebastian LebharMortgage Loan Officer · NMLS #2729343

Loan Programs

The right program for your story

Access to many banks and lenders means flexible options for nearly every type of borrower and property.

Category

Government Loans

FHA

Low down payment, flexible credit guidelines.

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VA

Zero-down financing for eligible veterans and service members.

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USDA

100% financing for qualifying rural and suburban properties.

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Category

Conventional & Jumbo

Conventional

Standard financing for qualified buyers and refinances.

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HomeReady / Home Possible

Affordable conventional options with reduced PMI.

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Jumbo

Loans above conforming limits for higher-value homes.

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Category

Self-Employed & Non-QM

3.5% Down P&L Program

Low down payment program built for self-employed borrowers.

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Bank Statement Loans

Qualify with 12–24 months of bank deposits.

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P&L Loans

CPA-prepared profit & loss statement instead of tax returns.

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Asset-Based Loans

Qualify using assets rather than monthly income.

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Non-QM Loans

Flexible underwriting for unique income situations.

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Category

Investor Loans

DSCR Loans

Qualify using the property's rental income.

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Fix & Flip

Short-term financing for renovation projects.

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Hard Money

Fast, asset-based loans for time-sensitive deals.

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Rental Property Loans

Long-term financing for buy-and-hold investors.

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Category

Specialty Programs

ITIN Loans

Home financing for borrowers without a Social Security Number.

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Foreign National Loans

Solutions for non-U.S. citizens buying in the U.S.

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Construction Loans

Build your primary or investment property.

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Renovation Loans

Combine purchase and remodel into one loan.

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HELOCs

Flexible line of credit secured by home equity.

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Cash-Out Refinance

Tap your equity for what matters most.

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Owner Finance to Refinance

Transition from an owner-financed purchase into a traditional refinance with better long-term terms.

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All loans subject to borrower qualification and lender approval. Program availability, pricing, and requirements are subject to lender guidelines, credit profile, property type, and market conditions. This is not a commitment to lend.