Our services

Conventional

Our mortgage services include a variety of attractive options designed to meet the needs of homebuyers, starting with 97% financing and a unique 1% down program. We also accept 100% gift funds to assist with home purchases. First-time buyers will benefit from reduced monthly mortgage insurance and custom loan terms ranging from 9 to 29 years. Additionally, we offer rehab loans and down payment assistance, ensuring a comprehensive approach to making homeownership more accessible for everyone.

Non-QM / DCSR / Investment

Our enhanced Credit Opportunity Program empowers borrowers to secure mortgage loans under circumstances that may typically be limited in the current Conforming Credit market. We offer a bank statement program tailored for self-employed individuals, as well as stated income options for self-employed borrowers. Our program also includes stated options for both investment and primary residences. Notably, we provide opportunities for those who are just one day out of foreclosure, short sale, or bankruptcy, allowing them to pursue homeownership sooner than they might expect.

FHA

We offer a range of mortgage solutions to cater to diverse financial needs, including 96.5% financing options for both single-family homes and properties with 3 to 4 units. Our programs feature a $100 down payment initiative, along with flexible financing for those with FICO scores as low as 550. We provide down payment assistance and accept high debt-to-income ratios, ensuring access to homeownership. Additionally, our offerings include reverse mortgage programs, W2-only financing solutions, and rehab loans, making it easier for clients to find the right path to their dream home.

Home Equity Products - HELOC / HELOAN

Unlock the potential of your home with our flexible home equity products, designed to empower you with access to funds for your financial goals. Whether you choose a home equity loan for a fixed amount or a home equity line of credit (HELOC) for ongoing access to cash, our solutions allow you to leverage the equity you've built in your property. Perfect for home improvements, debt consolidation, Home Improvements, unexpected expenses, or money for investment, our competitive rates and tailored options make it easy to enhance your financial well-being while maximizing the value of your home. Discover how our home equity products can transform your financial landscape today!

USDA

Discover the opportunity of rural homeownership with our USDA loan products, designed to help eligible buyers access affordable financing in designated rural areas. With the unique advantage of 100% financing, you can move into your new home with no down payment required, making homeownership more attainable than ever. Our USDA loans feature reduced monthly mortgage insurance, closing costs rolled into the loan, and minimal underwriting restrictions, streamlining the application process. Plus, no cash reserves are required, offering even greater flexibility. Ideal for first-time homebuyers and those seeking a peaceful, rural lifestyle, our USDA products provide a pathway to your dream home while supporting community growth. Let us guide you through the process and help you seize this exceptional opportunity today!

Non Citizen / Foreign National

Unlock homeownership opportunities with our tailored non-citizen mortgage products, designed to empower individuals regardless of their citizenship status. Our unique offerings require no tradelines or credit references, making it easier for those new to the credit system to access financing. We also welcome borrowers without a visa or U.S. cash reserves, providing a path to secure the home of your dreams. With competitive rates and flexible terms, our non-citizen products are your gateway to owning a home in the U.S., allowing you to invest in your future with confidence. Let us help you pave the way to homeownership today!

Veterans Affairs - VA

Experience the benefits of homeownership with our VA loan products, specifically designed for veterans, active-duty service members, and eligible National Guard and Reservists. Our VA loans offer remarkable advantages, including 100% financing and no monthly mortgage insurance, making them an incredibly affordable choice for securing your dream home. We welcome applicants with FICO scores as low as 580, and our competitive interest rates, along with the ability to finance closing costs, make the home buying process seamless and accessible. Let us help you leverage your hard-earned benefits and achieve the American dream of homeownership with our dedicated VA loan solutions!

Refinance

Transform your financial future with our flexible refinance products, designed to help you save money and achieve your financial goals across all our offerings. Refinance is available for our VA loans, USDA loans, home equity products, and conventional mortgage options, ensuring you can lower your monthly payments, shorten your loan term, or tap into your home’s equity no matter which product you choose. Take advantage of potential savings through lower interest rates or consolidate debt to simplify your finances. With a streamlined application process and expert guidance, our refinance products empower you to take control of your financial destiny. Let us help you unlock the possibilities and enhance your home’s value through our tailored refinance solutions!

Unlocking the Potential of Home Ownership to EveryBody with Epic Mortgage!