We pride ourselves in being different.

Most lenders can do FHA or VA loans, so why us? One reason is that we pay ALL of your closing costs. We also have manual underwriting for those of you not approved on the automated approval system. Job Gap? No Problem. VA loans usually allow for up to 61% debt to income and FHA caps at 56.999%. We also have FHA to 560 and VA to 580 credit scores. VA allows for 100% cash out on refinances also. Our underwriters are outside the box and common sense thinkers. If anyone can approve your odd income or job status,

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