Licensed in 7 States

New Jersey is our home market. From our Union City office we work the full spectrum of the state's housing stock — high-rise condos on the Gold Coast, two-to-four-unit buildings in Hudson and Essex counties, and single-family homes from Bergen down to the Shore. Multi-unit and condo lending are everyday work here, not edge cases.

North Carolina pairs some of the country's strongest job growth — Charlotte's banking sector, the Research Triangle's tech and life-science economy — with housing costs that still undercut the Northeast. That combination drives heavy relocation volume, and we regularly structure loans for buyers purchasing in NC before their out-of-state home sells.

Florida is one of the most diverse lending markets in the country: primary buyers relocating for the tax climate, second-home purchases along both coasts, deep investor demand, and — in South Florida especially — international buyers. Our non-QM and foreign-national lender relationships get heavy use here.

Texas combines big-metro job engines — Dallas–Fort Worth, Houston, Austin, San Antonio — with land to build on, so new construction and first-time purchases dominate the pipeline. No county in Texas is designated high-cost, which keeps the conforming math simple statewide: anything over the baseline is jumbo.

California is the country's largest jumbo market: in its coastal metros, even starter homes routinely exceed conforming limits. Our lender network includes bank and portfolio jumbo outlets, high-balance agency pricing, and non-QM programs for the state's enormous self-employed and entrepreneur population.

South Carolina runs two markets at once: fast-growing employment centers like Greenville and Columbia with genuinely affordable price points, and a coastal corridor — Charleston, Myrtle Beach, Hilton Head — where second homes and short-term rental investments drive volume. We finance both sides, matching each to lenders who fit.

Pennsylvania offers some of the most attainable homeownership in the Northeast — Pittsburgh remains one of the best price-to-income big-city markets in the country, and much of the state transacts well below national medians. That makes FHA, conventional 3%-down, and first-time buyer structures especially effective here.