BUILD YOUR HOME AND YOUR FUTURE

We are a veteran-owned mortgage lender based in Fircrest, Washington.

We are an experienced lending team that is committed to providing the right loans for your project.

Whether you’re building your dream home or buying it, let’s make it happen.

We are a proud member of the Master Builder’s Association of Pierce County, the National Association of Home Builders, and the Puget Sound Mortgage Lenders Association.

LOAN SERVICE OVERVIEW

Construction Loans

New Construction Loans

Designed for borrowers building a primary or secondary home from the ground up. Covers site acquisition, design/permitting, and phased construction costs with flexible draw schedules.

Jumbo Construction Loans

Designed for large projects, these loans come in larger amounts than standard construction loans. Loan amounts typically start around $1 million.

Renovation Loans

Tailored for buyers purchasing a fixer-upper or homeowners financing large-scale remodels, additions, or structural repairs by rolling work costs into a single mortgage.

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Residential Loans

Conventional Home Loans

Ideal for buyers with strong credit profiles and stable down payment reserves seeking competitive fixed or adjustable terms.

FHA Loans

Designed for buyers looking for flexible credit guidelines and low down payment options.

VA Loans

Dedicated financing for qualified active service members, veterans, and surviving spouses.

USDA Loans

A government-backed, zero-down-payment mortgage program designed to make homeownership accessible and affordable for buyers purchasing primary residences in designated rural and suburban communities.

Bridge Loans

Short-term financing solutions for current homeowners looking to leverage their existing equity to purchase a new home before selling their current one.

Jumbo Home Loans

Designed for high-value properties and luxury homes, Jumbo loans provide financing that exceeds local conventional conforming loan limits, offering tailored underwriting and flexible terms.

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Non-QM Loans

Self-Employed & Alternative Income Programs

Great for borrowers who are self-employed, independent contractors, and gig economy workers with flexible qualification options.

1-Year-Self-Employed
1099 Only
Bank Statement
P&L Only
Written VOE Only

Asset-Based Loans

Ideal for borrowers who want to leverage their assets to qualify for their loans.

60-Month Asset Utilization
No DTI – Asset Utilization

Debt Service Coverage Ratio (DSCR) Loans

Designed for real estate investors purchasing rental properties. We offer regular, short-term rental, and foreign national DSCR loans.

ITIN Loans

Best for U.S. residents who pay taxes using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. Ideal for buyers looking to purchase a primary residence without standard tax returns or conventional credit history.

Foreign National Loans

Best for non-resident foreign citizens living abroad who want to invest in U.S. real estate or purchase a vacation home. Designed to evaluate international income, cash flow, or bank statements without requiring a U.S. credit score.

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