Active Home & Commercial Loan Products
With direct pipeline underwriting fueled by our Statewide Funding partnership, we provide streamlined programs backed by access to over 70 outside wholesale lenders.
Financing Built Around Your Real Estate Goals
From standard home purchase financing to custom investor construction draws, all files are processed locally.
Conventional Financing
Competitive rates on 15 and 30-year fixed conforming home loans. Ideal for borrowers with strong credit looking to secure primary or secondary residential properties.
- • Min 3% Down Payment
- • Standard Disclosure Process
- • 15 and 30-Year Terms
- • Primary and Secondary Residences
FHA & VA Programs
Government-backed financing with low down payments, flexible eligibility, and custom terms designed to protect military veterans and first-time buyers.
- • 0% Down for VA Eligible
- • Easy Qualification
- • FHA Streamline Available
- • First-Time Buyer Friendly
Jumbo Portfolio Loans
Non-conforming premium loan options tailored for high-value properties in luxury metropolitan markets. Highly flexible underwrite conditions.
- • Up to $5M Loan Limits
- • Asset-Based Options
- • Interest-Only Available
- • Flexible Underwriting
Renovation & Fix-Flip
Financing structured for real estate investors. Covers property acquisition plus renovation costs, managed directly by the same team overseeing construction.
- • Direct In-House Processing
- • Interest-Only Terms Available
- • Covers Acquisition + Rehab
- • Fast Close Timeline
FHA 203K Rehab
Purchase and renovate properties that need substantial work with a single loan. Minimum 620 FICO. Turn distressed homes into valuable investments with proper rehabilitation financing.
- • Min 620 FICO Score
- • Finance Purchase + Renovation
- • 1-4 Unit Properties
- • 3.5% Down Payment
DSCR Investor Loans
Qualify based on the property's rental income rather than personal income. Designed for real estate investors building or expanding a rental portfolio.
- • No Personal Income Required
- • Based on Rental Cash Flow
- • Unlimited Properties
- • LLC / Entity Vesting OK
Bank Statement Loans
Alternative documentation program for self-employed borrowers. Use 12 or 24 months of bank statements in place of traditional tax returns to qualify.
- • 12 or 24-Month Statements
- • No Tax Returns Required
- • Self-Employed Friendly
- • Up to $5M Loan Amounts
Bridge & Hard Money
Short-term financing for investors who need to move fast. Ideal for auction purchases, quick closes, and properties that need work before qualifying for permanent financing.
- • Close in 5-7 Days
- • Rehab Funds Included
- • No Prepayment Penalty
- • Interest-Only Payments
Construction-to-Perm
Single-close loan covering both the construction phase and permanent mortgage. Build from the ground up without refinancing when the project is complete.
- • Single Close Process
- • Ground-Up New Build
- • Draw Schedule Funding
- • Converts to 30-Year Fixed
USDA Rural Housing
Zero-down government loan for eligible rural and suburban properties. Income-based qualification with competitive fixed rates and reduced mortgage insurance.
- • 0% Down Payment
- • Below-Market Rates
- • Reduced Mortgage Insurance
- • Rural / Suburban Areas
Commercial Real Estate
Financing for income-producing commercial properties including multi-family, mixed-use, retail, and office. Flexible terms structured around property cash flow.
- • Multi-Family 5+ Units
- • Mixed-Use Properties
- • Cash Flow Underwriting
- • Up to $10M Loan Amounts
Reverse Mortgage (HECM)
FHA-insured Home Equity Conversion Mortgage for homeowners 62 and older. Convert home equity into tax-free funds without monthly mortgage payments.
- • Age 62+ Eligible
- • No Monthly Payments
- • Tax-Free Proceeds
- • FHA-Insured Program
A Family Business, Built One Home at a Time
Sanjesh Sharma entered mortgage lending in 1991, expanding into home flipping in 1994 and ground-up construction in 2000. Today, alongside his son Ashton, who manages design and build finishes, the duo represents a multi-generational commitment to building lasting local community footprints.
70+
Approved Lenders
Direct
In-House Underwriting
100%
Direct Funding
7,000+
Loans Funded
