Mortgage programs built around your situation

Purchase Loans

Financing to help you buy with confidence — whether it is your very first home or the next property in your portfolio.

• First-home buyers, guided step by step
• Second homes and vacation properties
• Investment and rental property financing
• Pre-approvals that make your offer stronger

Refinancing

Put your home equity to work. Scott can help you discover your property value and restructure your mortgage around your goals.

• Lower your rate or monthly payment
• Shorten your term to build equity faster
• Cash-out refinancing for major goals
• A clear break-even analysis before you commit

USDA Loans

Explore USDA financing for eligible buyers and properties, with Scott helping you understand the location, income, and property requirements.

• Options for eligible primary residences
• Guidance on USDA area and household-income requirements
• Help reviewing property eligibility before you apply

Additional property, income, program, and state restrictions may apply.

Self-Employed Programs

Loan solutions designed for the income and documentation realities of business owners, freelancers, and 1099 earners.

• Bank-statement and alternative-doc options
• Programs that read business income correctly
• Guidance on structuring a lender-ready file
• Options when conventional guidelines may not fit

No-Income-Documentation Options

For eligible borrowers, certain loan programs may use documentation other than traditional income records. Availability, eligibility, and documentation requirements vary by loan program and state.

• Alternative documentation may be considered for eligible scenarios
• Requirements depend on the specific loan program and borrower profile
• Program availability varies by state and is not offered in all states
• Scott can explain what documentation may be needed for your situation

Program availability and guidelines vary by state and borrower qualifications. Additional restrictions may apply. Not available in all states. Contact Scott Rienert for details.

Documented Cannabis-Related Income

Certain programs may consider documented cannabis-related income, subject to lender and program guidelines. Additional restrictions may apply; no income treatment is guaranteed.

• Review of income source, history, and documentation
• Program and state availability can vary
• Guidance on what a lender may need to evaluate the file

Subject to lender and program guidelines. Additional restrictions may apply. Contact Scott Rienert for details.

Low-Credit Options

Certain programs may consider credit scores as low as 500, subject to qualification and lender requirements. Approval is not guaranteed, and additional restrictions may apply.

• Credit review based on the full borrower profile
• Additional factors may include income, assets, and property
• Scott helps you understand next steps before applying

Subject to qualification and lender requirements. Additional restrictions may apply. Contact Scott Rienert for details.

DSCR (Debt-Service Coverage Ratio) Loans

Investment-property financing that evaluates the property’s rental-income profile alongside the overall loan scenario — a thoughtful fit for real estate investors.

• Purchase and refinance options for eligible investment properties
• Qualification centered on the property’s cash flow and DSCR
• Built for investors growing or managing a rental portfolio
• Clear review of rent, expenses, reserves, and program requirements

Additional investment-property, DSCR, reserve, and lender restrictions may apply.

Bridge Loans

Temporary financing designed to help eligible borrowers bridge the gap between a current property and the next move.

• Explore timing-sensitive purchase and transition scenarios
• Potential fit for investors and move-up buyers
• Review of equity, exit strategy, and property details

Additional restrictions may apply based on the property, equity, exit strategy, and lender guidelines.

New Construction Financing

Financing guidance for eligible new-construction projects, from understanding the structure of the loan to preparing the documentation lenders review.

• Build and completion timelines considered up front
• Guidance on plans, budget, builder, and property details
• Clear explanation of draw and lender requirements

Additional property, builder, construction, and lender restrictions may apply.

Manufactured / Mobile Homes on Owned Land

Mortgage guidance for manufactured and mobile homes located on land you own, with a clear review of the property details and documentation required for the loan.

• Financing for eligible homes on borrower-owned land
• Purchase and refinance scenarios may be available
• Help reviewing land ownership, title, and property details
• Guidance on appraisal, foundation, and other program requirements

Additional property, appraisal, foundation, title, and program restrictions may apply.

Fix-and-Flip Financing

Financing options for eligible investors acquiring and improving a property with a clear renovation and resale strategy.

• Purchase and renovation costs reviewed together
• Underwriting considers the property and investment plan
• Guidance on scope, budget, timeline, and exit strategy

Additional property, experience, budget, timeline, and lender restrictions may apply.

Fix-and-Flip Construction Financing

For eligible projects requiring a more involved construction plan, with financing structured around the renovation scope and project milestones.

• Review of plans, contractor, budget, and projected value
• Construction draws and project milestones explained clearly
• Fit review for the property and the investor’s strategy

Additional construction, contractor, property, and lender restrictions may apply.

203(k) Renovation Loans

An FHA 203(k) option that may combine a home purchase or refinance with eligible renovation costs in one mortgage.

• For eligible owner-occupied renovation scenarios
• Guidance on project scope and required documentation
• Help understanding the consultant, contractor, and draw process

Additional property, renovation, contractor, FHA, and lender restrictions may apply.

Warehouse & Self-Storage Financing

Commercial financing guidance for eligible warehouse and self-storage properties, including properties up to 10 units where applicable.

• Explore financing for warehouse and self-storage assets
• Properties up to 10 units may be considered where applicable
• Review of property use, income, condition, and program fit

Property-specific, occupancy, valuation, commercial, and lender restrictions may apply.