Ann Arbor, MI

Whether you are acquiring a five-plus unit apartment building, refinancing a mixed-use property, or funding an owner-occupied building for your business, our team structures the request and places it with the lender most suited to the deal.

Foreign national programs let international buyers acquire U.S. real estate without a domestic credit file. Underwriting leans on assets, the property, and international documentation instead.

An ITIN loan opens the door to homeownership for borrowers who work, pay taxes, and build credit in the United States without a Social Security number. Your loan officer walks the documentation path with you step by step.

If your income arrives on a 1099, traditional underwriting can penalize you for the deductions you legitimately take. 1099 programs qualify you on gross contractor earnings, which often paints a fairer picture of what you make.

Plenty of financially strong borrowers show little income on paper. Asset-based lending applies a formula to your liquid assets to establish qualifying income, so your net worth does the talking.

DSCR loans are built for real estate investors who want to scale without handing over tax returns for every acquisition. Underwriting centers on the property's rental income relative to its housing expense, keeping your personal finances out of the file.

Self-employed borrowers often write off enough expenses that their tax returns no longer reflect what they actually earn. Bank statement loans solve that by qualifying you on real deposits. Your loan officer will help you decide whether personal or business statements produce the stronger file.

FHA Loans are government-backed programs that allow for lower down payments and easier qualifications, making homeownership accessible to first-time buyers and those with limited savings.

Who qualifies: Borrowers who have not owned a primary residence in the last 3 years (per IRS definition) and meet income or program requirements.

Programs we originate include HomeReady, Home Possible, FHA, VA, USDA, and state and local down payment assistance.

Our loan officers help buyers compare available programs and find a strong fit.

Construction Loans provide funding to build a new home from the ground up, covering costs throughout the construction process with flexible terms.

Refinance options we offer:

• Rate-and-Term Refinance — lower payment or shorter term

• Cash-Out Refinance — pull equity for renovations, debt consolidation, education

• VA IRRRL — streamlined VA refinance

• FHA Streamline — reduced doc FHA refinance

• Conventional Refinance

Break-even analysis is included with every quote.

Reverse Mortgages allow homeowners age 62 and older to convert home equity into cash, providing financial flexibility without monthly mortgage payments.

Investment Property Loans are designed for purchasing or refinancing rental homes, offering financing options that support income-generating real estate investments.

Jumbo Loans are designed for higher-priced homes that exceed conventional limits, providing flexible financing solutions for buyers purchasing in more expensive markets.

Renovation Loans allow borrowers to finance home improvements and repairs as part of their mortgage, making it easier to upgrade or customize a property.

Conventional Loans follow standard lending guidelines and offer flexible terms, making them a popular option for qualified borrowers seeking competitive rates and customizable financing.

Adjustable Rate Mortgages (ARMs) offer lower initial interest rates that adjust over time, making them a smart choice for buyers who expect to move or refinance within a few years.

A Home Equity Line of Credit (HELOC) gives homeowners access to revolving credit based on their home’s equity, offering flexible funds for major expenses or projects.

Second Home Loans offer financing for vacation homes or seasonal getaways, providing flexible options to fit different budgets and lifestyles.

USDA Loans offer affordable financing for eligible rural and suburban buyers, helping more households achieve homeownership.

Fixed Rate Mortgages provide long-term stability with a consistent interest rate and predictable monthly payments, ideal for homeowners who plan to stay in their home for many years.

VA Loans are exclusive to veterans and active-duty military members, offering reduced upfront costs, flexible qualifications, and meaningful savings compared to many loan programs.