Loan Programs
Every program, one broker.
Conventional, government, non-QM, investor DSCR, private money, and commercial — I place across the full spectrum. Same person.
Conventional & Government
Traditional financing — Fannie Mae, Freddie Mac, FHA, VA, USDA, and jumbo programs for primary residences and second homes.
- Conventional 30-Year FixedAgency Fixed-Rate
- Conventional 15-Year FixedAgency Fixed-Rate
- Conventional ARM (5/6, 7/6, 10/6)Agency Adjustable-Rate
- High-Balance ConformingAgency
- HomeReady (Fannie Mae)Low-Income Affordable
- Home Possible (Freddie Mac)Low-Income Affordable
- HomeStyle RenovationRenovation
- FHA 30-Year FixedGovernment — FHA
- FHA 203(k) RenovationGovernment — FHA Renovation
- FHA Streamline RefinanceGovernment — FHA Refi
- VA 30-Year FixedGovernment — VA
- VA IRRRL (Streamline)Government — VA Refi
- VA Cash-Out RefinanceGovernment — VA Refi
- USDA Rural Development GuaranteedGovernment — USDA
- Prime JumboJumbo
- Super Jumbo ($3M+)Jumbo
- Jumbo ARMJumbo
- Physician / Professional LoanJumbo — Specialty
- CalHFA MyHome AssistanceDPA — California
- CalHFA Dream For All (Shared Appreciation)DPA — California
- HECM Reverse MortgageReverse Mortgage
- Proprietary Jumbo ReverseReverse Mortgage
- 2-1 Temporary BuydownBuydown
- Traditional HELOCHELOC
- Closed-End Second Lien (Fixed)Second Lien
- Energy-Efficient Mortgage (EEM)Specialty
Non-QM & Alternative Doc
For self-employed borrowers, complex income, or recent credit events — bank statement, 1099, P&L, asset depletion, ITIN, and foreign national options.
- 12-Month Bank StatementAlt-Doc — Self-Employed
- 24-Month Bank StatementAlt-Doc — Self-Employed
- Bank Statement HELOCAlt-Doc — Second Lien
- 1099-Only IncomeAlt-Doc — Self-Employed
- P&L OnlyAlt-Doc — Self-Employed
- WVOE Only (W-2 Employee)Alt-Doc — W-2
- Asset Qualifier / Asset DepletionAlt-Doc — Asset-Based
- RSU / Restricted-Stock IncomeAlt-Doc — Equity Comp
- Recent Credit Event (BK / FC / SS)Alt-Doc — Credit Recovery
- ITIN MortgageAlt-Doc — Non-Resident
- Foreign NationalAlt-Doc — Non-Resident
- Non-Warrantable CondoAlt-Doc — Property Type
- CondotelAlt-Doc — Property Type
Investor & Bridge
DSCR rental loans, BRRRR takeout, and investor 1–4 financing. Short-term private capital lives on the Private Money hub.
- DSCR Rental LoanDSCR
- DSCR Cash-Out RefinanceDSCR
- DSCR 2nd Lien / HELOCDSCR
- No-Ratio DSCRDSCR
- Short-Term Rental DSCR (Airbnb)DSCR
- Portfolio Loan (5+ Properties)Investor Portfolio
- Fix & Hold (BRRRR)Bridge / Hard Money
- Residential BridgeBridge
- Commercial BridgeBridge
- Transactional Funding (Same-Day)Bridge — Wholesale
Private Money
Business-purpose capital Francisco Williams places: fix-and-flip, bridge, construction, cash-out, probate, foreclosure recovery, self-employed, ADU build. Terms at lock. Not a consumer 30-year.
Commercial
SBA owner-user, agency multifamily, NNN credit-tenant, and private-capital bridge for commercial real estate.
- SBA 7(a) Owner-UserSBA
- SBA 504 Owner-UserSBA
- Conventional Commercial Real EstateCommercial
- Fannie Mae DUS (Multifamily)Agency Multifamily
- Freddie Mac SBL (Small Balance Multifamily)Agency Multifamily
- HUD 223(f) (Multifamily Refi/Acquisition)Agency Multifamily
- HUD 221(d)(4) (Multifamily Construction)Agency Multifamily
- CMBSCommercial
- Life Insurance Company LoanCommercial
- Ground-Up Commercial ConstructionConstruction
- NNN Credit-Tenant FinancingNNN / Net Lease