Buying, refinancing, or trying to get a file that didn’t work somewhere else.
Conventional, FHA, VA, USDA, jumbo, renovation, bank statement and DSCR — placed with the lender whose guidelines actually fit the file, not the one lender I happen to work for.
Purchase, refinance, and the files that need structure
Conventional, FHA, VA, USDA, jumbo, renovation, bank statement and DSCR financing. Which one fits depends less on the property than on how your income is documented.
Buying a home
First home, next home, or new construction. Conventional, FHA, VA, USDA, jumbo, and renovation financing — including options for self-employed and complex income.
See loan programs →Refinancing
Lower the payment, pull equity out, drop mortgage insurance, consolidate debt, or shorten the term. VA homeowners: ask about the IRRRL.
See refinance options →Investing & commercial
DSCR and portfolio financing for rental property. SBA, bridge, and multifamily through RCE Capital’s commercial division.
See commercial →Underwriting doesn’t always go the way it should
An overlay nobody flagged. A condition that surfaces late. A guideline read one way at one lender and differently somewhere else. The job at that point is knowing where else the file can go, and moving fast enough that it still matters.
The bank he’d used for thirty years said no
New construction, and the bank he’d been with for more than three decades declined him. It had nothing to do with the relationship — his business had taken a dip and he no longer fit their credit box.
We moved him to a bank statement loan, where the income question is what actually lands in the account rather than what the business looks like on paper. Clear to close in fourteen days.
I didn’t serve. My family did.
No down payment, no monthly mortgage insurance, and an entitlement most veterans have more of than they were told. This one has its own page because it deserves the depth.
Guidelines, in detail
Down payment minimums, credit floors, ratios, mortgage insurance, and how down payment assistance actually works — grants versus forgivable seconds versus repayable seconds. Current figures, no rate quotes.
Where you buy changes what the payment looks like
Property taxes, exemptions, new construction inventory and what the county is approving all move the number more than people expect. I keep running notes on that for Gwinnett, where I live.
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Thirty minutes, no credit pull, no obligation. Worst case you leave knowing where you stand.