Every loan scenario, covered.
Residential, commercial, conventional, creative — Norm sources the right product for your specific deal. Here’s the full toolkit.
Conventional Mortgages
The most common path for owner-occupied purchases and refinances. Strong credit and traditional income documentation get you the best rates available.
Who it’s for
- W-2 wage earners and salaried borrowers
- Credit scores 620+ (best pricing 740+)
- Owner-occupied primary, second home, or 1–4 unit investment
- Down payments from 3% (first-time buyer programs) up to 20%+
What it covers
- Purchase, rate-and-term refinance, and cash-out refinance
- Loan amounts up to the state’s conforming loan limits
- Fixed-rate (15, 20, 30 year) and adjustable-rate options
- PMI options including lender-paid and borrower-paid
DSCR Loans
Debt Service Coverage Ratio loans qualify on the property’s projected rental income — not your personal tax returns. Built for real estate investors scaling a portfolio.
Who it’s for
- Real estate investors with multiple properties
- Self-employed borrowers with complex tax returns
- LLC and entity-titled investment properties
- Anyone who wants to skip the W-2 paperwork drill
What it covers
- 1–4 unit residential investment properties
- Short-term rentals (Airbnb / VRBO) with documentation
- Cash-out refinances to pull equity for the next deal
- DSCR ratios as low as 0.75 with the right pricing
Commercial Real Estate
Office, retail, industrial, mixed-use, multifamily 5+, special purpose. Owner-occupied or investor — Norm sources from a national loan program network for commercial deals that local banks decline.
Who it’s for
- Business owners buying their building
- Investors acquiring or refinancing commercial property
- Multifamily 5+ unit operators
- Specialty assets: warehouses, restaurants, mixed-use, industrial
What it covers
- Purchase, refinance, cash-out, and value-add acquisitions
- Ground-up construction loans for commercial projects
- Bailout refinances on maturing balloons
- Equipment financing alongside CRE deals
Self-Employed Solutions
If you write off everything on your taxes — like every smart business owner does — conventional underwriting punishes you. Bank statement, P&L, and asset-based loans qualify you on what you actually earn.
Who it’s for
- 1099 contractors, business owners, gig workers
- Borrowers with strong cash flow but heavy deductions
- Real estate professionals, doctors, consultants, owner-operators
- Anyone tired of “your AGI is too low” rejections
What it covers
- 12 / 24-month bank statement income
- Profit & Loss only (CPA-prepared) qualifying
- Asset-utilization loans (no income required)
- Foreign national, ITIN, and recent-credit-event programs
SBA 7(a) & 504
Government-backed financing for small business owners — real estate, equipment, expansion, partner buyouts, working capital. Longer terms, lower down payments, and rates the conventional commercial market can’t match.
Who it’s for
- Small business owners buying owner-occupied real estate
- Acquisitions of an existing business or partner’s stake
- Equipment-heavy operations (manufacturing, restaurants, healthcare)
- Operators who want a 25-year amortization on real estate
What it covers
- SBA 7(a) — up to $5M for working capital, acquisitions, real estate
- SBA 504 — owner-occupied real estate & major equipment, fixed long-term rates
- Refinance of existing business debt where the math works
- Construction-to-perm financing on owner-occupied builds
Bridge & Hard Money
When timing matters more than rate. Bridge loans close in days, not weeks — for fix-and-flips, value-add deals, distressed acquisitions, and the times you need to move before conventional financing can keep up.
Who it’s for
- Investors competing for time-sensitive deals
- Fix-and-flip operators
- Borrowers bridging from one closing to another
- Buyers with credit or seasoning issues conventional won’t accept
What it covers
- Asset-based underwriting — focus on the property, not the file
- 6 to 24-month terms with extension options
- Up to 80–90% LTV depending on deal and exit
- Fast close: days, not months, when paperwork lines up
Jumbo Mortgages
Loan amounts above conforming loan limits. Higher purchase prices, luxury refinances, and the high-net-worth scenarios where flexibility on assets, income, and reserves changes the deal.
Who it’s for
- Buyers in higher-priced markets
- Cash-out refinances above conforming
- High-net-worth borrowers with non-traditional income
- Second-home and investment jumbo scenarios
What it covers
- Loan amounts well into seven and eight figures
- Asset depletion and pledged-asset structures
- Interest-only, ARM, and 30-year fixed jumbo products
- Portfolio loan access for unique borrower profiles
ITIN Mortgages
Home loans for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security Number. Real ownership opportunities for hard-working buyers traditional banks won’t serve.
Who it’s for
- Borrowers who file taxes with an ITIN rather than an SSN
- Self-employed and W-2 ITIN earners with two years of tax returns
- First-time buyers and existing homeowners refinancing
- Owner-occupied primary residences and select second homes
What it covers
- Purchase, rate-and-term refi, and select cash-out programs
- Down payments typically starting around 15%
- Fixed and adjustable-rate options
- Common-sense underwriting on tax returns and bank statements
FHA & VA Loans
Government-backed programs designed to make homeownership reachable. Lower credit thresholds, lower down payments, and — for VA-eligible borrowers — zero-down financing with no monthly mortgage insurance.
Who it’s for
- First-time buyers using FHA’s 3.5% down option
- Borrowers with credit scores 580+ (FHA) or VA-eligible
- Active-duty service members, veterans, and qualifying spouses
- Buyers with limited reserves who still want a competitive offer
What it covers
- FHA 203(b) standard purchase + 203(k) renovation loans
- VA purchase, IRRRL streamline refinance, cash-out
- USDA rural development loans for eligible CT properties
- Down-payment-assistance program pairing where eligible
If it’s a real deal, Norm can probably finance it.
Twenty years, hundreds of loan programs, every loan type imaginable. If you’ve got a scenario, Norm has seen it — or knows someone who’ll do it. Pick up the phone.