For realtors: a lender for buyers who do not fit the usual box.

Buyers we are built for

• Self-employed buyers whose tax returns do not show what the business earns: bank-statement / Non-QM, up to about $3 million depending on the file.
• Investors who want the rent to qualify the loan: DSCR, including LLC closings on many programs.
• Move-up clients who need to buy before they sell: bridge financing, or a HELOC on the current home where it fits (HELOCs are not currently offered in Texas).
• Higher price points: jumbo financing above conforming limits.
• First-time buyers: FHA and first-time programs.

How we work with you

• Pre-qualification conversations at no cost to your client. A pre-qualification is not an underwriting approval or a commitment to lend.
• With your client’s permission, we keep you posted at the milestones that matter to the deal.
• We are a licensed lender in CT, FL, SC, and TX, and a licensed broker that shops the loan with our investor network in NY, NJ, MA, PA, and NC.
• Our office is at 96 Danbury Rd in Ridgefield, and we answer the phone seven days a week, 8:00 AM to 6:00 PM.

We do not pay or accept referral fees. Federal law (RESPA) prohibits paying for mortgage referrals. We earn your referrals by taking care of your clients.