Core Services

Residential Mortgages

At SFS, we specialize in providing a variety of residential mortgage options to fit the unique needs of every homebuyer. Whether you’re a first-time buyer, looking to refinance, or interested in investing in additional properties, our team of experienced mortgage professionals is here to guide you through the process.

  • Conventional Loans: Ideal for borrowers with a strong credit history and stable income. These loans offer competitive interest rates and terms, making them a popular choice for many homeowners.
  • FHA Loans: Government-backed loans designed for first-time homebuyers or those with less-than-perfect credit. FHA loans feature lower down payments and more flexible credit requirements.
  • VA Loans: Exclusively for veterans and active-duty military personnel, VA loans offer zero down payment options and competitive rates, helping those who serve our country secure affordable home financing.
  • Jumbo Loans: For those looking to purchase high-value properties, jumbo loans provide financing that exceeds conventional loan limits, with terms designed to fit unique financial needs.

    • Commercial Financing

    We understand that commercial real estate investments require specialized knowledge and tailored financial solutions. Our commercial financing options are designed to support businesses and investors in acquiring, refinancing, or expanding their commercial property portfolios.

  • Commercial Property Loans: Flexible loan options for purchasing office buildings, retail spaces, industrial properties, and more. We work with you to understand your business goals and structure financing that meets your needs.
  • Multifamily Loans: Financing solutions for purchasing or refinancing apartment buildings, condos, or multi-unit properties. These loans are ideal for investors looking to generate rental income and build wealth through real estate.
  • Bridge Loans: Short-term financing solutions for commercial real estate investors who need quick access to funds for property acquisition or renovation. Bridge loans offer flexibility while awaiting longer-term financing or asset liquidation.
  • Construction Loans: Tailored for developers and investors looking to build commercial properties from the ground up. Our construction loans provide the capital needed to cover land acquisition, construction costs, and other expenses associated with development projects.

    • Non-QM Loans

    Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who may not meet the traditional criteria for conventional loans. At SFsolution, we offer a variety of Non-QM loan options to accommodate self-employed individuals, investors, and others with unique financial situations.

  • Bank Statement Loans: Perfect for self-employed borrowers who want to qualify based on their bank statements rather than traditional income verification methods. This loan type considers the deposits into your account as proof of income.
  • Asset-Based Loans: Allows borrowers to qualify based on their assets rather than income. This is ideal for individuals who have significant assets but lack regular income documentation.
  • Investor Cash Flow Loans: Designed for real estate investors, these loans use the rental income generated from a property to qualify for financing, making it easier to expand investment portfolios.
  • Foreign National Loans: Tailored for non-U.S. citizens looking to invest in American real estate. These loans offer flexible terms and criteria to accommodate foreign nationals without a U.S. credit history.

    • Hard Money Loans

    Hard money loans provide fast, flexible financing for real estate investors and developers. These loans are often used for short-term investment opportunities, such as property flips or rapid acquisitions, where speed and flexibility are essential.

  • Short-Term Financing: Typically ranging from 6 to 24 months, hard money loans provide quick access to capital for purchasing or renovating investment properties.
  • Minimal Documentation: Unlike traditional loans, hard money loans require minimal paperwork, focusing more on the property's value and potential rather than the borrower's credit history.
  • Flexible Terms: We offer tailored terms to meet the specific needs of each investor, providing flexibility in repayment schedules, interest rates, and loan amounts.
  • Real Estate Investment: Ideal for purchasing distressed properties, funding renovations, or bridging the gap between property acquisition and long-term financing.

    • SBA Loans

    Small Business Administration (SBA) loans are government-backed financing solutions designed to support small businesses. At SFsolution, we offer a range of SBA loan options to help entrepreneurs and small business owners secure the funding they need for growth and success.

  • SBA 7(a) Loans: The most common SBA loan, ideal for a variety of business purposes, including working capital, equipment purchase, debt refinancing, and real estate acquisition.
  • SBA 504 Loans: Specifically designed for purchasing fixed assets, such as real estate and equipment. These loans offer long-term, fixed-rate financing with low down payments.
  • Microloans: Smaller loan amounts for start-ups and small businesses looking to finance inventory, supplies, or working capital needs. Microloans are typically easier to qualify for and have shorter repayment terms.
  • SBA Express Loans: Offers a streamlined approval process with faster turnaround times, providing businesses with quick access to funding up to $500,000.