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ARE YOU

WORKING OR SELF-EMPLOYED
IN THE CANNABIS INDUSTRY?  

WE  SAY YES.

GET PRE-APPROVED FOR THIS PROGRAM TODAY »

CALL TODAY:
(813) 928-9610

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HAVE A QUESTION? MESSAGE US TODAY  »

CANNABIS HOME LOANS

HOME LOANS FOR WORKERS & BUSINESS OWNERS IN THE CANNABIS INDUSTRY

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

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👉  KEY PROGRAM HIGHLIGHTS:

 

✅  WE ACCEPT INCOME DERIVED FROM CANNABIS AND HEMP-BASED BUSINESSES.

 

  • For W2 Workers the qualification standards are the same as a Conventional mortgage loan.

  • For Business Owners - we offer fixed rate mortgages with a minimum down payment of 10% of the purchase price.

  • Applicants must be in business for a minimum of 2 years. (we may also accept 1 year self-employment, as long as the applicant can demonstrate a work history in the same line of work as their business)

  • Additional Loan Features »

 

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🚀 WHO IS THE IDEAL CANDIDATE  FOR A CANNABIS HOME LOAN?

 

  • Any US worker or business owner in the legal Cannabis or Hemp industries. Any business in the supply chain applies. Examples include, but are not limited to:

    • Dispensaries
    • Growers | Botanists
    • Manufacturers
    • Extraction Technicians
    • Physicians - Patient Care Facilities
    • Transport | Maintenance

 

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▼  Choose the path below that best applies to your income.  ▼

Choose a path below that best applies to your income.  

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This is a standard Conventional loan program, but without the restrictions against your industry seen at most banks, credit unions or banks. It is designed for W2 wage earning workers in the Cannabis or hemp industries. This includes employees who work at dispensaries, growers, manufacturers, administration, or any other role in the supply chain. This is a standard Conventional loan program, but without the restrictions against your industry.

 

➤  WHO IS THE IDEAL CANDIDATE?

 The ideal candidate for this program is an applicant who meets the following criteria:

  1. W2 Wage-earning employee - Pay can be hourly, salary, etc. Bonus and overtime income may be counted after a two year history, or unless the employer expressly defines it as part of the employee's compensation package as a guaranteed pay component.

  2. Applicants may not own any percentage of the Employer's Cannabis Business greater than 25% .

 

➤   KEY FEATURES

 

  • Minimum Down Payment: 3% for first time home-buyers, or 5% if you have owned a home within the past 5 years.

  • Occupancy: Primary residence, Second/ vacation home, or investment homes.
  • Eligible Home Types:  Single Family Homes, Townhomes / Villas, 2-4 Unit Multi-Family Homes, Condominiums (warrantable condos only)
  • Ineligible Home Types:  Manufactured Homes, Modular Homes, Mobile Homes, Raw Land, Condotels, Log Homes, Dome Homes, Tiny Homes, Commercial Mixed-Use, any home that has a grow operation or any other agricultural or business purpose.
  • Loan Type:  30 Year Fixed
  • Prepayment Penalty:  None
  • Minimum FICO:  620
  • Maximum Loan Size: $806,500 for most areas of the country. To check your area, click HERE »

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.  🌿

Private Client

CANNABIS INDUSTRY W2 WAGE-EARNERS

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Private Client

CANNABIS INDUSTRY SELF-EMPLOYED

This program is designed for Business Owners in the Cannabis and hemp industries.  This includes businesses such as dispensaries, growers, devices, manufacturers, or any other facet of the supply chain.

 

➤  WHO IS THE IDEAL CANDIDATE?

 The ideal candidate for this program is an applicant who meets the following criteria:

  1. You must be in business for at least 24 months.

  2. Income must be verifiable:  We offer the following choices of income verification. If you receive income from multiple sources, they can be combined.

    1. Traditional Tax Return Income Approach - most recent 2 years of Business as well as Personal Income tax returns
    2. Bank Statement Income Approach - We can use the average deposit income from an average of your most recent 12-24 months.
    3. 1099 Income Approach - if you are an independent contractor receiving 1099 wages from the same employer for the past two years, we can use up to 100% of your 1099 income, along with a letter from your employer stating that you have no job-related expenses

 

➤   KEY FEATURES

 

  • Minimum Down Payment:  10% (requires middle credit score of 740+), 15% (requires middle credit score of 720+); 20% (requires middle credit score of 660+)

  • Occupancy:  Primary residence, Second/ vacation home, or investment homes.
  • Eligible Home Types: Single Family Homes, Townhomes / Villas, 2-4 Unit Multi-Family Homes, Condominiums (warrantable or Non-Warrantable condos), Condotels on a case-by-case basis.
  • Ineligible Home Types: Manufactured Homes, Modular Homes, Mobile Homes, Raw Land, Log Homes, Dome Homes, Tiny Homes, Commercial Mixed-Use, any home that has a grow operation or any other agricultural/ business purpose.
  • Loan Type:  30 Year Fixed
  • Prepayment Penalty: None for primary residence or second home
  • Minimum FICO:  600
  • Maximum Loan Size:  $3 Million

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.  🌿

Frequently Asked Questions (FAQ)

  • Can I qualify for a mortgage if I work in the legal cannabis industry?

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    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.

  • Will my cannabis income be counted toward my mortgage approval?

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    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.

  • Do cannabis workers face extra scrutiny when applying for a mortgage?

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    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.

  • Are self-employed cannabis workers eligible for home loans?

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    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.

  • Do I need to disclose that I work in cannabis on my loan application?

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    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.

  • Is my loan more likely to be denied because I work in the marijuana industry?

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    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.

What types of mortgage loans are available for cannabis industry professionals?

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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.

  • Can cannabis industry employees buy their first home with one of these loans?

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    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.

  • Can I refinance my home loan if I work in the cannabis industry?

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    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.

  • Is there a catch to these cannabis-friendly home loans?

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    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.

How is this different from going to a traditional bank or credit union?

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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.

HAVE A QUESTION?

GET PRE-APPROVED FOR THIS PROGRAM TODAY »

CALL TODAY:
(813) 928-9610

Green Telephone Icon

HAVE A QUESTION? MESSAGE US TODAY  »

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.