MENU
ARE YOU
WORKING OR SELF-EMPLOYED
IN THE CANNABIS INDUSTRY?
WE SAY YES.
We lend to both business owners and W2 workers in the Cannabis industry. We offer two distinct loan programs to make it easier for you to achieve the dream of homeownership.
Each program is designed to accommodate your type of income.
Where you work doesn't matter to us for loan approval. 🌿 With our programs, you'll still qualify with the same criteria as a normal loan (income, assets, credit, reserves, etc.)
Unlike banks, credit unions, and other lenders, we have extensive experience and knowledge with mortgage lending in this sector, and we are confident that we can help you navigate the loan process with ease.
"Working with Derek and his team on my mortgage was an absolute walk in the park, no hiccups, everything was on time and this level of customer service/care is not something you will find at a big bank.
Working as a W2 in the cannabis industry can bar you from getting a mortgage with most lenders, but at unconventional lending this was never an issue and there was no difference in the rates proposed compared to other lenders!
Thank you Derek & Team for all the help on my first home!"
- a Trulieve employee
______________________________________________
______________________________________________
The ideal candidate for this program is an applicant who meets the following criteria:
This loan is underwritten, approved, and closes in the same manner as any other conventional home loan.
The only difference is that we have no restrictions on your industry. 🌿
The ideal candidate for this program is an applicant who meets the following criteria:
This loan is underwritten, approved, and closes in the same manner as any other standard home loan.
The only difference is that we have no restrictions on your industry. 🌿
Yes, you can. Whether you're W2-employed by a licensed dispensary or work behind the scenes in cultivation or distribution, we recognize your income — even if traditional lenders don’t. Our cannabis home loan programs are designed for professionals in legal markets.
Absolutely. If you’re paid via W2 or have consistent 1099 income, we’ll guide you through the documentation process so your income is accurately reflected. Even self-employed operators or owners can qualify using bank statements or P&L statements.
Unfortunately, many traditional banks do apply more scrutiny or even outright deny applications from cannabis professionals — regardless of legal status. We’re different. We specialize in unconventional borrowers, and we already understand the nuances of your industry.
Yes. If you own or co-own a cannabis business or work as an independent contractor, we offer full-documentation (using tax returns), as well as bank statement loans and Profit & Loss Statement loans that don't require traditional tax returns. We'll evaluate your real financial picture — not just your tax returns.
Yes — transparency is key. Lenders require you to list your actual employer and income source. With us, you don’t need to hide anything — we work with cannabis industry clients every day, and your career won’t disqualify you.
Not with us. Many banks won’t lend due to federal restrictions or investor guidelines, but our programs are built to serve legal cannabis professionals. Your job won’t hurt your application here — it’s part of why we exist.
We offer a wide range: conventional alternatives, bank statement loans, DSCR loans for investors, and even asset-based mortgages. If you’re in a legal market, we’ll match you with a program that fits — no judgment, just solutions.
Yes! First-time homebuyers are welcome — in fact, many of our cannabis clients are purchasing their very first home. We’ll walk you through the process, explain what to expect, and connect you with programs that work with your income and credit profile.
Definitely. Whether you're looking to lower your rate, consolidate debt, cash out equity, or move into a more flexible loan program, we offer refinancing options for W2, 1099, and self-employed cannabis professionals. You won’t be turned away because of your career.
No catch — these are real, conventional-style mortgages with competitive rates and standard terms. The difference is that we work with lenders who are comfortable verifying income from legal cannabis work, without judgment or red tape.
Traditional banks often reject applications from cannabis workers due to internal policy or federal banking limitations. We service our own loans, and we also partner with private investors who understand your income, approve your documentation, and treat you like any other qualified borrower.
WHERE YOU WORK
DOESN'T MATTER TO US. 👍
IF YOU ARE A
WORKER, OR ARE SELF-EMPLOYEDIN THE LEGAL CANNABIS OR HEMP INDUSTRY, WE CAN HELP.
If you work for or own a business in the Cannabis or Hemp industry, you deserve to buy a home just like anyone else. We specialize in working with the challenges of your industry and we have led the way in creating solutions just for you.
We'd love the opportunity to answer all of your questions and get you approved to buy your dream home.
Remember, stop letting these banks tell you NO, when we have more reasons to say YES.
This is not a commitment to lend. Not all borrowers will qualify for the loan programs listed. All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.