DSCR Loans for Rhode Island Triple-Deckers: Qualify on the Rent
Rhode Island's triple-deckers are some of the best cash-flowing rentals in New England — and a DSCR loan lets investors qualify on the rent, not their tax returns.
Read article →Independent mortgage brokerage · Wakefield, Rhode Island · Ocala, Florida
A smoother way home, from people who know the way.
Since 2007 we've shopped a wide network of lending partners for our clients — so you compare real options, not one bank's menu.
- Advising clients since 2007
- Company NMLS #3915
- Licensed in 5 states
Where would you like to start?
Three ways to begin
Buy a home
First home or fifth — we'll line up programs from FHA and VA to conventional and jumbo, and help you move with confidence.
Start a purchaseRefinance
Lower the payment, shorten the term, or put your equity to work — we'll run the numbers honestly, including whether to wait.
Explore a refinanceTalk to an expert
Not sure where to start? Tell us a little about your goals and we'll connect you with the right loan officer — no commitment.
Contact us
What sets us apart
Built for the loans big banks turn away
Self-employed, an investor, buying a non-warrantable condo, or rebuilding after a credit event? Our Non-QM and specialty programs qualify you on the full picture — bank statements, rental cash flow, or assets instead of a rigid rulebook. This is where a brokerage beats a bank.
Non-QM Home Loans
Great borrowers don't always fit the agency box — Non-QM qualifies you on the full picture.
Learn moreNon-Warrantable Condo Loans
Told a condo is “non-warrantable”? That's a lender problem, not a you problem — and we solve it.
Learn moreDown Payment Assistance
Assistance that helps qualified buyers cover the down payment and get into a home sooner.
Learn moreInvestment Property Loans
Qualify investment purchases on the property's cash flow — no tax returns or pay stubs required.
Learn moreRenovation Loans
Buy-and-renovate or refinance-and-renovate — one loan covers the home and the work.
Learn moreConstruction Loans
Build from the ground up with a single closing that converts to permanent financing.
Learn moreBridge Loans
Use the equity in your current home to buy the next one before you sell.
Learn moreManufactured Home Loans
Home-and-land or home-only financing for manufactured and mobile homes.
Learn moreForeign National Loans
Financing paths for buyers without U.S. citizenship or a traditional U.S. credit history.
Learn moreHard Money Loans
Asset-based financing for investors — fast closings when the deal can't wait for a bank.
Learn moreCommercial Mortgages
Financing for income property and owner-occupied commercial real estate.
Learn more
Everyday financing
And all the standard programs, too
Conventional, FHA, VA, USDA, jumbo and more — the familiar options, shopped across our lending network for the best fit.
Florida buyers
Manufactured home financing in Florida?
Our Ocala branch runs a dedicated Florida manufactured home lending practice — mobile and manufactured homes on owned land, in land-lease communities, and in co-op parks across the state. For Florida-specific programs and guidance, start at our Florida site.
How it works
From first call to closing day
1
Pre-qualify
Tell us about your goals and finances. We'll establish what you can comfortably borrow and put real numbers behind your search.
2
Compare your options
We shop our network of lending partners and walk you through the trade-offs — program, term, points — in plain English.
3
Close with confidence
We quarterback the appraisal, underwriting and paperwork, keeping you informed at every milestone through closing day.
Run your own numbers
Payment, affordability, refinance break-even, points, payoff — ten interactive calculators, no email address required.
Open the calculators →Learn the language
From credit scores to closing costs, our Mortgage Basics library explains every step of the journey without the jargon.
Browse Mortgage Basics →
Two offices, five states
Local where it counts
Wakefield, Rhode Island
94 Main Street, Wakefield, RI 02879
Our home office since 2007 — serving Rhode Island, Massachusetts, and clients across our licensed states.
(401) 481-8050
Ocala, Florida
46 SW 1st Ave Ste 2, Ocala, FL 34471
Branch NMLS #2549716 — Florida purchase, refinance, VA and manufactured-home lending, led by Branch Manager Michael Dorosko.
From the blog
Latest insights
Bank Statement Loans: How Self-Employed Rhode Islanders Buy Without Tax Returns
Self-employed in Rhode Island? A bank statement loan qualifies you on the deposits flowing through your accounts — no tax returns — so write-offs don't cost you the house.
Read article →Financing a Non-Warrantable Condo on the Rhode Island Coast
On the Rhode Island coast, 'non-warrantable' condos are everywhere — and very financeable. Here's what the label means and how we finance the building banks decline.
Read article →