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Loan Programs

We specialize in non-traditional loan programs for self-employed borrowers

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No matter what your situation is,
there is a home financing solution for you.

No Income / No Employment DSCR Investor Loans

Buy Investment Property with Non-traditional Income.
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12/24 Month Bank Statement

Serving OUR Community’s Self-Employed Borrowers with Smarter Loan Options.
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No Income / No Employment Loan Primary Residence Loan

Empowering OUR Community with Flexible, Asset-Based Mortgage Solutions.
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ITIN Mortgage Loan Program

Homeownership Made Possible for Non-U.S. Citizens Using an ITIN.
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P&L-Only Mortgage Loan Program

Streamlined Approval for Self-Employed Borrowers Using Just a P&L.
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1099 Mortgage Loan Program

Flexible Home Financing for 1099 Earners — Less Paperwork, More Possibility.
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NAF Cash

NAF Cash Can Turn You Into a Cash Buyer.
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Renovation

Smart Loans Backed by Real People, Serving OUR Community Every Day.
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One Time Close Construction

Build your dream home with an OTC Jumbo loan designed for big visions.
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VA

Homeownership Benefits You’ve Earned Through Service.
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FHA

Affordable Financing Designed for First-Time Homebuyers.
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Conventional

Flexible Home Financing with Competitive Rates and Terms.
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Jumbo

Financing for Homes That Go Beyond Conventional Limits.
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USDA

Affordable Home Financing for Rural and Suburban Communities.
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Down Payment Assistance

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Medical Professionals Mortgage Program

Designed for Doctors, Dentists & Healthcare Heroes in North Carolina — and Beyond