Services
Services
Every file starts with strategy. These are the kinds of financing we structure, and the situations each one is built for.
Purchases, renewals and refinances
The home you live in, financed properly. Purchases, renewals and refinances, structured around what you plan to do next rather than the rate of the week.
We map the lender landscape to your file, negotiate terms and penalties, and stay involved until the keys are in your hand.
- First-time buyers
- Move-up and downsizing
- Renewals and switches
- Refinancing and equity take-out
Portfolios, rentals and high-value homes
Rental income, multi-unit properties and growing portfolios have their own qualification logic. So do homes at the top of the market, where lender appetite and structure matter more than the posted rate.
We know which lenders want which files, and we build the financing so the next purchase is easier than the last.
- Rental and multi-unit
- Portfolio strategy
- Jumbo and high-value structures
- Vacation and second homes
Closings that happen years after the purchase
The approval you had at signing may have little to do with what a lender will do at closing. Values move, policies change, income changes.
We work with buyers, Realtors and developers to identify problems early and build the strategy before closing day arrives.
- Appraisal shortfalls
- Assignment sales
- Builder deposit structures
- Bulk closings for developers
Income property, builds and land
Owner-occupied and income-producing commercial property, construction draws for custom builds and builders, and land, servicing and project finance for development.
These files are won on structure and presentation. We prepare them the way a credit committee reads them.
- Commercial purchases and refinances
- Construction draw schedules
- Land and development finance
- Mixed-use and small multi-family
Speed and structure when banks pause
Private capital for bridges, firm dates and files that don't fit a bank box today. Business financing for working capital, equipment and expansion, often secured against real estate.
Always with an exit in mind, so private money is a step in the plan rather than the plan.
- Bridge and short-term
- Declined by a lender
- Working capital and equipment
- Exit strategy back to prime
Equity access without monthly payments
For homeowners 55 and over who want to stay in the home and put its equity to work. No monthly payments, and the title stays in your name.
We walk through the numbers honestly, including what it means for the estate, and compare it against the alternatives before recommending anything.
- Retirement income
- Helping family with a down payment
- Consolidating debt
- Staying in the home
One call. Every solution.