Loan Options
Powered by Mpire Financial Group, LLC
LOAN PRODUCTS
CONVENTIONAL, FHA, & VA
A seamless home loan process from pre-approval to welcome home celebration.
Teaming up with Robin Johnson, an independent mortgage broker, will help you meet your needs with technology and speed. With one credit review and a mortgage application, Robin can shop multiple lenders to find the loan to fits your needs.
As an independent broker, Robin has direct access to some of the most competitive wholesale rates in the country, potentially enabling you to get a bigger, more expensive home with a lower monthly payment.
Once the mortgage that meets your needs is chosen, Robin utilizes her industry expertise to guide you through the process. With safe and secure technology, Robin offers digital mortgage tools that empower you to securely communicate and submit documents from anywhere.
DSCR - Debt Service Coverage Ratio
DSCR Loans: Let the Property Qualify, Not Just You
A DSCR (Debt Service Coverage Ratio) loan is designed specifically for real estate investors. Instead of focusing on your personal income, this loan type looks at how much rental income the property generates compared to its monthly debt payments.
If the property brings in enough to cover the loan, you may qualify — even without traditional income documentation. It’s a powerful way for investors to
leverage income-producing properties
to grow their portfolio.
Bank Statement Only
Bank Statement Loans: Qualify Using Your Income, Not Your Tax Returns
A Bank Statement Loan helps self-employed borrowers qualify for a mortgage using personal or business bank statements instead of traditional tax returns, making homeownership more accessible without relying on conventional income documentation.
When applying for a Bank Statement Loan, your income is evaluated using 12 or 24 months of personal or business bank statements instead of W-2s or tax returns. This flexible approach is designed for borrowers whose tax returns may not accurately reflect their true earning potential.
Bank Statement Loans are perfect for self-employed professionals, entrepreneurs, freelancers, independent contractors, and business owners who have strong, consistent cash flow and need a financing solution tailored to their unique financial situation.
LET'S CONNECT
Advanced Mortgage Payoff Calculator
Calculate your monthly payments, see when your mortgage will be paid off, and explore how extra payments can save you money.
