Our Products

Helping diverse clients secure their dream homes and reach their investment goals.

DSCR Loans

Qualify on Cash Flow, Not a Paycheck

If you're a real estate investor, this one's built for you. DSCR (Debt Service Coverage Ratio) loans let you qualify based on the rental income your property generates, not your personal income or tax returns. As long as the property's cash flow covers the mortgage payment, you're in good shape.

Who is this for?

• New or experienced real estate investors

• Borrowers with multiple investment properties

• Those looking to grow their portfolio without the complexity of traditional income verification

Key Benefits:

• No personal income verification required

• Qualify based on the property's rental income

• Ideal for LLCs and investment-focused borrowers

• Flexible loan structures to suit your strategy

Whether you're buying your first rental property or your fifteenth, DSCR loans offer a fast, practical path to financing. Let the property pay for itself.

Commercial Real Estate Loans
Finance the Property That Powers Your Business

Whether you're purchasing, refinancing, or expanding, Commercial Real Estate Loans are built to support income-producing properties and the businesses behind them. From office buildings to retail plazas and industrial spaces, this financing solution is designed to help you secure and grow your commercial footprint.

With flexible structures and underwriting focused on the strength of the asset and its income potential, we make it easier to access the capital you need to move forward.

Who is this for?

• Business owners purchasing or refinancing owner-occupied properties

• Real estate investors acquiring income-producing commercial assets

• Developers expanding or repositioning commercial properties

• Entrepreneurs looking to secure a long-term business location

• Borrowers seeking to refinance or unlock equity in existing properties

Key Benefits:

• Finance a wide range of property types (office, retail, industrial, multi-use)

• Loan structures tailored to cash flow and property performance

• Options for both owner-occupied and investment properties

• Flexible terms, including fixed and adjustable rate options

• Access to higher loan amounts for larger-scale opportunities

Your property is more than real estate, it’s the foundation of your business. Let’s build it the right way.

Construction Loans
Build Your Vision From the Ground Up

Why settle for someone else’s design when you can create your own? Construction Loans provide the financing you need to build a custom home or develop residential property, with funds distributed in stages as your project progresses.

From breaking ground to final inspection, we work with you and your builder to ensure a smooth, well-managed financing process tailored to your timeline.

Who is this for?

• Homebuyers looking to build a custom primary residence

• Investors developing residential or spec properties

• Borrowers purchasing land and constructing a new home

• Experienced builders and first-time construction clients

• Those seeking a one-time close or construction-to-permanent solution

Key Benefits:

• Finance land purchase and construction costs in one loan

• Draw-based funding aligned with construction milestones

• Interest-only payments during the building phase

• Option to convert into a permanent mortgage after completion

• Flexible terms tailored to your project scope and timeline

Your dream home doesn’t have to already exist. Build it exactly the way you want—with financing designed to bring it to life.

Bank Statement Loans

A Smarter Mortgage for the Self-Employed

Self-employed and tired of trying to fit your finances into a traditional mortgage box? You're not alone, and we have a solution. Bank Statement Loans are designed specifically for business owners, freelancers, and entrepreneurs who don't fit the standard W2 mold.

Instead of tax returns, we use 12–24 months of your personal or business bank statements to verify your income. It's a straightforward way to show what you actually earn, without the frustration of write-offs working against you.

Who is this for?

• Small business owners

• Freelancers and independent contractors

• Entrepreneurs and gig economy workers

• Anyone whose tax returns don't reflect their true income

Key Benefits:

• No tax returns required

• Use personal or business bank statements

• Competitive rates for qualified borrowers

• Available for primary residences, second homes, and investment properties

Your hard work shouldn't be a barrier to homeownership. Let us show you a better way.

1099 Loans

Your 1099 Income Is Enough

If you receive 1099 income, this loan was made for you. Traditional mortgage lenders often struggle to work with independent professionals, but we don't. Our 1099 Loan program is a dedicated solution that uses your 1099 forms to verify your earnings, with no tax returns required.

Who is this for?

• Independent contractors

• Consultants and advisors

• Real estate agents and brokers

• Gig workers and platform-based professionals

Key Benefits:

• No tax returns required

• Qualify using 1 or 2 years of 1099 forms

• Simple and straightforward income verification

• Available for home purchases and refinancing

Stop letting the traditional system hold you back. Your 1099 income is a legitimate path to the home you deserve.

Foreign National Loans

U.S. Real Estate Is Within Reach

Not a permanent U.S. resident? No problem. Our Foreign National Loan program is specifically designed for non-permanent residents and international buyers who want to purchase or refinance real estate in the United States.

We understand that navigating the American mortgage system from abroad, or as a visa holder, can feel overwhelming. That's why we've built a program that's straightforward, accessible, and tailored to your unique situation.

Who is this for?

• Non-permanent U.S. residents

• Visa holders (various visa types accepted)

• International buyers purchasing U.S. investment properties or second homes

• Non-resident aliens

Key Benefits:

• Available for investment properties and second homes

• No U.S. credit history required in many cases

• Flexible documentation requirements

• Competitive loan terms

The U.S. real estate market is one of the most stable in the world. Let us help you access it.

ITIN Loans
Homeownership Without a Social Security Number

You don’t need a Social Security Number to achieve homeownership. Our ITIN Loan program is designed for individuals who file taxes using an Individual Taxpayer Identification Number (ITIN), providing a clear and accessible path to purchasing or refinancing a home in the United States.

We understand that many hardworking borrowers are overlooked by traditional lenders. That’s why we focus on your full financial picture—not just your documentation status.

Who is this for?

• Non-U.S. citizens without a Social Security Number

• Individuals who file taxes using an ITIN

• Self-employed or cash-earning borrowers

• First-time homebuyers building a financial foundation

• Families looking to purchase or refinance a primary residence

Key Benefits:

• No Social Security Number required

• Use your ITIN to apply and qualify

• Flexible income verification options

• Build equity instead of renting

• Pathway to long-term financial stability and homeownership

Homeownership should be within reach for everyone who works for it. With an ITIN loan, your opportunity starts here.

Asset Qualifier Loans

Your Assets Are Your Income

Have significant savings, investments, or retirement funds but a non-traditional income stream? This loan program flips the script on conventional qualifying. Instead of relying on employment income, your verifiable assets are used to demonstrate your ability to repay the loan.

If you've spent a lifetime building wealth, you shouldn't be penalized for how it looks on paper.

Who is this for?

• Retirees and near-retirees

• High-net-worth individuals

• Investors with large portfolios

• Borrowers with significant liquid assets but limited monthly income

Key Benefits:

• No employment income required

• Qualify using bank accounts, investment portfolios, retirement funds, and more

• Available for primary residences, second homes, and investment properties

• A dignified solution for borrowers who have done everything right

Your assets reflect your financial success. Let them open the door to your next home.

Full Documentation Loans

Traditional Income? You're in Great Shape.

If you're a traditionally employed borrower who can verify your income through standard documentation, our Full Documentation Loans offer some of the most competitive rates and terms available. There's nothing complicated here, just a smooth, familiar process with excellent outcomes.

Who is this for?

• Salaried employees with W2 income

• Borrowers with consistent, documentable employment history

• Anyone who files standard tax returns

• Buyers looking for the best possible rates and terms

Key Benefits:

• Access to the widest range of loan programs

• Most competitive interest rates available

• Straightforward process with predictable steps

• Works for primary residences, second homes, and investment properties

Sometimes the traditional route is the best one. If you have the documentation, we'll make the most of it.

Bridge Home Loans

Don't Wait. Move Forward.

Found your dream home before selling your current one? Timing doesn't have to be an obstacle. Our Bridge Home Loan is a short-term financing solution that gives you the flexibility to act now, without waiting for your existing home to sell.

Metropolitan Mortgage & FSC pays off your current mortgage and unlocks the equity you need for your new home's down payment. That means you can make a strong, confident offer without a sale contingency slowing you down.

Who is this for?

• Homeowners ready to upsize or relocate

• Buyers who've found their next home before selling their current one

• Anyone who wants to make a competitive, non-contingent offer

• Borrowers who need short-term financing between transactions

Key Benefits:

• Bridges the financial gap between buying and selling

• Eliminates the need for a sale contingency on your new offer

• Accesses your existing home equity quickly

• Short-term solution with a clear exit strategy

In a competitive market, timing is everything. Don't let your current home hold you back from your next one.

Prime Jumbo Loans

Jumbo Financing for Your Finest Address

When you're purchasing or refinancing a high-value home, you need a loan that matches the scale of your ambitions. Prime Jumbo is our premium jumbo mortgage solution, offering loan amounts up to $500 million, exclusively for owner-occupied primary residences and second homes.

Designed for borrowers with strong financial profiles, Prime Jumbo combines generous loan limits with flexible qualifying criteria and premium service.

Who is this for?

• Buyers purchasing luxury primary residences

• Owners of high-value second or vacation homes

• Borrowers looking to refinance a property above conventional loan limits

• High-net-worth individuals seeking a jumbo mortgage solution

Key Benefits:

• Loan amounts up to $500,000,000

• Competitive rates for qualified borrowers

• Available for owner-occupied homes and second homes

• Flexible underwriting for complex financial profiles

• Dedicated support throughout the process

Your home is a statement. Make sure your financing is too.

Business Acquisition Loans
Own the Business. Skip the Startup Risk.

Why build from scratch when you can take over a proven operation? Business Acquisition Loans are designed to help entrepreneurs and investors purchase existing businesses with established revenue, customers, and systems already in place.

Whether you're expanding your current portfolio or stepping into business ownership for the first time, this financing solution gives you the leverage to move quickly and confidently.

Who is this for?

• Entrepreneurs looking to buy an existing business

• Business owners expanding through acquisition

• Investors seeking cash-flowing opportunities

• Professionals transitioning into ownership (owner-operators)

• Buyers pursuing franchise or independent business acquisitions

Key Benefits:

• Finance the purchase of an established, revenue-generating business

• Leverage the business’s existing cash flow to help qualify

• Flexible deal structures, including partial seller financing

• Options for asset purchases or stock purchases

• Available across a wide range of industries

Acquiring a business can be one of the fastest paths to financial independence and growth. Step into a company that’s already working—and take it to the next level.