NMLS #2072896
185 Wythe Ave, Suite A2
Brooklyn, NY 11249
Loan
Programs
Flexible Mortgage Solutions to Fit Your Needs
Loan Programs
Find the Right Loan for Your Homeownership Journey
Whether you're buying your first home, upgrading, refinancing, or investing, the right loan program makes all the difference. I offer a wide range of mortgage solutions — from conventional and government-backed loans to non-QM options designed for self-employed borrowers, investors, and clients with unique financial profiles. Each program is tailored to meet your specific goals, lifestyle, and budget. My role is to simplify the process, explain your options clearly, and help you choose the loan that sets you up for long-term success.
Construction Loans
Whether you're building a custom home or working with a contractor, our construction loan programs provide financing for both the land and the build. With one-time-close and two-time-close options, you can roll your construction costs into your long-term mortgage, simplifying the process from blueprint to move-in.
Home Equity Loans
Leverage the value you've built in your home with a lump-sum home equity loan. Perfect for funding home improvements, consolidating debt, or covering life’s major expenses, this second mortgage allows you to keep your low first mortgage rate while accessing cash at competitive fixed rates.
Adjustable Rate Mortgages (ARM)
An ARM can be a smart option for buyers who plan to move or refinance within a few years. With a fixed lower rate for the first 5, 7, or 10 years, followed by periodic adjustments, ARMs offer a cost-effective way to manage your mortgage during short-term stays or transitional periods.
Conventional Fixed Rate Mortgages (FRM)
As the most common loan type, conventional mortgages are ideal for borrowers with solid credit and steady income. These loans offer low interest rates, flexible terms, and down payment options as low as 3%, making them a reliable choice for primary homes, second homes, or investment properties.
Jumbo Loans
Buying a higher-priced home? Jumbo loans allow you to borrow more than the standard conforming loan limits, with flexible underwriting for high-income earners and self-employed borrowers. We offer competitive rates, low down payments, and personalized service for luxury and high-value properties.
Refinance Mortgage Loans
Whether you're aiming to lower your monthly payment, shorten your loan term, switch from an ARM to a fixed rate, or tap into your home equity, refinancing can help you realign your mortgage with your current goals. We'll guide you through your options to make sure refinancing is the right move.
FHA Mortgage Loans
Backed by the Federal Housing Administration, FHA loans are designed to make homeownership accessible to first-time buyers or those with less-than-perfect credit. With down payments as low as 3.5% and flexible guidelines, FHA loans are a great starting point on the road to owning a home.
Reverse Mortgage Loans
A reverse mortgage allows homeowners 62 and older to convert a portion of their home’s equity into tax-free income without having to sell or move. It's a powerful financial tool for retirees who want to eliminate monthly mortgage payments and enjoy more financial freedom in retirement.
VA Mortgage Loans
VA loans are a well-earned benefit for veterans, active-duty service members, and eligible surviving spouses. With no down payment, no private mortgage insurance, and favorable interest rates, VA loans make it easier for military families to buy, refinance, or build a home.
Self-Employed Borrowers
If you're self-employed, we understand that traditional income documentation doesn’t always tell the whole story. We offer alternative documentation loans — such as bank statement, 1099, and P&L programs — to help business owners, freelancers, and gig workers qualify with confidence.
Borrowers With Considerable Assets
For clients with high liquid assets but low reported income, our asset-based loan programs use savings, investments, and retirement accounts to help qualify — without relying solely on tax returns or W-2s. A great solution for retirees, investors, or financially savvy individuals with nontraditional income.
Real Estate Investors
From rental portfolios to short-term flips, we offer a suite of investor-friendly programs including DSCR (Debt-Service Coverage Ratio) loans, asset-based lending, and no-income verification loans. Whether you’re acquiring, refinancing, or expanding, we help you maximize ROI with streamlined closings.
Foreign Buyers
If you’re purchasing U.S. property from abroad, we offer mortgage solutions designed specifically for international buyers. With simplified documentation, flexible qualification standards, and personalized service, we make it easier for non-U.S. citizens to invest in American real estate.
Buyers With Blemished Credit Histories
Your past doesn’t have to define your future. We offer second-chance loan options with flexible credit requirements to help buyers with past bankruptcies, foreclosures, or low credit scores get back on the path to homeownership — with care, understanding, and a plan.