Home Purchase
Conventional, FHA, VA, and jumbo. First-time buyer to seasoned investor — priced and structured for your goals.
Bank-Statement Loans
Qualify on 12–24 months of deposits instead of tax returns. Built for self-employed and 1099 borrowers.
DSCR Investor
Qualify a rental on the property's cash flow — not your personal income. Ideal for growing a portfolio.
Refinance
Lower your rate, pull equity, or consolidate. We run the numbers and tell you honestly if it makes sense.
Most self-employed buyers get told "no" because a loan officer doesn't understand a Schedule C. As a CTEC-certified tax preparer, Ray reads your return the way an underwriter does — and structures your income so you qualify for more, the right way.
How self-employed qualifying works →Before we talk loans, we understand your real, qualifying income.
Full-doc, bank-statement, or DSCR — whatever gets you approved for the most.
House hacking, ADUs, and portfolio moves — a strategy, not just a loan.
Rates below are provided by Mortgage News Daily for reference. Your actual rate depends on your profile — get a personalized quote in minutes.
