23 Years Loan Origination Expertise
Clear Financing Options for Every Property Stage
Program placement helps you navigate potential choices. Actual suitability depends on property type, occupancy, loan purpose, and qualifying guidelines.
1. Personal / Primary Residence
For individuals and families purchasing, refinancing, or renovating an owner-occupied primary home or second home in Georgia.
- • Conventional & Jumbo Mortgages
- • FHA Government-Insured Loans
- • VA Home Loans (Zero Down for Veterans)
- • USDA Rural Housing Loans
- • First-Time Homebuyer Guidance
- • Renovation & One-Time Close Construction
- • HELOCs & Fixed-Rate Second Mortgages
Nationwide Eligible
2. Commercial & Investment
Tailored capital for residential investors, multifamily owners, and commercial operators looking to acquire, build, or refinance.
- • DSCR Rental Loans (No Tax Returns Required)
- • Short-Term Rental (Airbnb/VRBO) DSCR
- • Multifamily 5+ Unit Commercial Loans
- • 2–4 Unit Residential Investment Financing
- • Fix-and-Flip & Bridge Financing
- • Multiple-Property Portfolio Blanket Loans
- • Ground-Up Commercial Construction
3. Specialty & Non-QM Loans
Nontraditional scenarios for business owners, self-employed professionals, foreign nationals, and unique land tracts.
- • 12 & 24-Month Bank Statement Loans
- • 1099 Only Qualifying Mortgages
- • Foreign National US Real Estate Financing
- • Unimproved & Improved Land Financing
- • Reverse Mortgages for Eligible Seniors (62+)
- • Asset Depletion & Cross-Collateralization
Unsure which category fits your scenario?
Scott L. Smith Sr. will review your financial profile, explain tradeoffs between conventional vs. Non-QM or DSCR, and provide an honest assessment with zero pressure.