Loan Programs for Every Borrower
Whether you're buying your first home or your tenth investment property, John has a program built for your situation.
FHA Loans
Government-backed financing that opens the door to homeownership with lower down payments and flexible qualification standards.
- Down payments as low as 3.5%
- Credit scores accepted as low as 600
- Flexible qualification standards
- Great for first-time and repeat buyers
VA Loans
Exclusive financing for eligible veterans, active-duty service members, and surviving spouses.
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
Conventional Loans (1–4 Units)
Flexible financing for qualified buyers with competitive rates. Down payments as low as 3% for first-time buyers.
- Down payments as low as 3% for first-time buyers
- Credit scores as low as 600 considered
- Fixed and adjustable rate options
- 1 to 4 unit residential properties
Commercial Loans (5–50 Units)
Financing for multi-family and commercial properties from 5 to 50 units.
- 5 to 50 unit properties
- Competitive commercial rates
- Portfolio and investment properties
- Flexible underwriting criteria
First-Time Homebuyer Programs
Specialized programs designed to make your first purchase as smooth as possible.
- Down payments as low as 3%
- Credit scores as low as 600 accepted
- Step-by-step guidance from application to closing
- Down payment assistance options available
Renovation & Rehab Loans
Finance the purchase and renovation of a property in a single loan.
- Purchase and renovation in one loan
- FHA 203(k) and conventional options
- Finance up to the after-improved value
- Ideal for buyers who want to customize
Loans for Immigrants
John moved to the U.S. from Ireland in 1986 and knows firsthand how the system can feel overwhelming. Specialized solutions including ITIN loans and alternative credit documentation.
- ITIN mortgage programs (no SSN required)
- Alternative credit documentation accepted
- Credit repair assistance available
- Bilingual-friendly guidance
Career Changers
Changed careers recently? John works with borrowers whose employment history doesn't fit the standard mold.
- Recent career changes considered
- Self-employed and 1099 borrowers welcome
- Alternative income documentation
- Personalized qualification review
Private Hard Money Lending
Fast, flexible financing for vacant land, residential, or commercial properties.
- Fast approvals and closings
- Vacant land, residential, and commercial
- Asset-based lending criteria
- Flexible terms for experienced investors
Reverse Mortgages
If you are 62 or older and have substantial equity in your home, you may qualify for a reverse mortgage. A reverse mortgage may allow eligible homeowners to access a portion of their home equity without making required monthly mortgage payments while they continue to meet the loan obligations.
- Available to homeowners 62 and older
- Access home equity without monthly mortgage payments
- Must continue to meet loan obligations
- Contact us to discuss eligibility and available options
Non-Resident Loans
Do you live outside the United States but want to purchase a property in the U.S.? We offer financing options for eligible non-resident borrowers and can help simplify the mortgage process with personalized guidance and support.
- Financing for non-U.S. residents
- Purchase property in the United States
- Personalized guidance and support
- Contact us today to discuss your financing options
Navigating U.S. Banking as an Immigrant
John moved to the United States from Ireland in 1986 and knows firsthand how overwhelming the American banking system can feel. He has developed specialized solutions to help immigrants qualify for mortgages.
ITIN Mortgage Programs
Financing options for borrowers who don't have a Social Security Number but have an Individual Taxpayer Identification Number.
Alternative Credit Documentation
John works with borrowers who have limited U.S. credit history, using alternative documentation to demonstrate creditworthiness.
Credit Repair Assistance
Not quite ready to qualify? John can help you build or repair your credit so you're positioned for success when the time is right.
Lending in 9 States
Not sure which program is right for you?
That's exactly what John is here for. Reach out and he'll walk you through your options — no pressure, no obligation.