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(813) 928-9610

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(813) 928-9610

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The FLEX Mortgage Program

The family of mortgage programs designed around flexibility and second chances.

Our FLEX Mortgage Programs are designed for scenarios that are outside the box of traditional mortgage underwriting guidelines. Whether you're a business owner who doesn't show a lot of income on the tax returns, if you have significant liquid wealth but no income, or if you've had a recent derogatory credit event such as a bankruptcy, foreclosure, short sale, or deed-in-lieu of foreclosure, we have solutions.

HERE ARE SOME OF THE LOAN SCENARIOS THAT ARE POSSIBLE:

SELF-EMPLOYED BUSINESS OWNER, INDEPENDENT CONTRACTOR or ENTREPRENEUR?

If you're a successful business owner, but your tax returns don't tell the true story of your business, we offer loan programs that help us see beyond the tax returns to get a clearer picture of your business's true profitability.  


Just as importantly as the loan programs, we have the EXPERIENCE of working with business owners and independent contractors every day.  Trust in our expertise.

HAVE A SIGNIFICANT LIQUID WEALTH, BUT NOT ENOUGH "TAX RETURN" INCOME?

Many home buyers have a significant amount of wealth--either in a checking, savings, money market, stocks, or retirement accounts--but they lack enough income on their tax returns to qualify for a home loan.

We offer multiple ASSET-BASED LOAN PROGRAMS which allow us to use your liquid reserves as the income for loan approval purposes. We do not require that you move around your money simply to qualify for a mortgage, so you can rest easy and keep your key banking and investment relationships in place.

Our PRIVATE CLIENT PORTFOLIO PROGRAM has one of the most best blends of generous Asset Based Income and loan terms in the current marketplace. It is designed for well-qualified clients with significant liquid reserves.  The minimum down payment is 20%, and we will lend up to $20 MILLION.

Our FLEX ASSET BASED INCOME PROGRAM offers a generous asset-based income approach (84 Month amortization) and is designed for clients with moderate wealth. The program is flexible with past credit challenges, down to a 620 middle FICO score.  The minimum down payment is 10%, and we will lend up to $3 MILLION.

Our FLEX ASSET-MATCHING PROGRAM is designed for clients with an amount of wealth equal or greater than the new loan amount (after down payment and settlement charges). The program is flexible with past credit challenges, down to a 600 middle FICO score.  The minimum down payment is 10%, and we will lend up to $4 MILLION.

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WANT TO CLOSE IN THE NAME OF A TRUST or LLC?

Our own portfolio loan program, the PRIVATE CLIENT PORTFOLIO LOAN PROGRAM, allows the applicant to close in the name of their personally-held trust or LLC.

The minimum down payment for this program is 20%.  There is a nominal fee to cover the cost of a legal review of the Trust or LLC documents.

INVESTMENT HOME LOANS FOR LANDLORDS

Qualify without tax returns using the monthly cash-flow of the rental income. This is called a DSCR (Debt Service Coverage Ratio) Program.  

It works similarly to a commercial loan, except for residential properties.

LEARN MORE ABOUT DSCR LOANS

BRIDGE LOAN & CROSS-COLLATERALIZATION

Bridge loan and cross collateralization allow us to leverage one loan against the equity of two residential homes.  We will finance up to 60% of the combined appraised value of both homes, less any outstanding mortgages.  This program works especially well when one of the two homes is owned free and clear, or has only a small mortgage balance.

LEARN MORE ABOUT BRIDGE LOANS

NO WAITING PERIODS AFTER A RECENT DEROGATORY CREDIT EVENT

If you're one of the millions of Americans who have been through a bankruptcy, short sale or foreclosure, you may already be aware of the waiting period before you're eligible for a traditional home loan again.  

See the TRADITIONAL WAITING PERIODS here.

Our FLEX Home Loan is designed to get you back into home-ownership without these traditional waiting periods, in as little as ONE DAY after the event.  

The Minimum Down Payment is 20% if the housing event is ≥ 4 years old, or 25%+ if the event is < 4 years old.

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.  

GET PRE-APPROVED TODAY

3 easy steps.  No cost/obligation

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(813) 928-9610

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