Residential loans Our mortgage programs are geared to those borrowers with good credit, but we also specializing in approving borrowers with credit that is a little bit human as well as those self-employed. Whether you're looking to refinance for a lower interest rate, or extra cash for home improvement, debt consolidation or tuition funds, check out one of our many programs! Conventional, FHA, and VA programs 90% investment property purchase Home Improvement loans No-income requirement programs No closing costs programs Hard money loans 125% purchase