Some mortgages arrive with a deadline attached.
Specialty loan programs can provide flexible financing for borrowers with unique needs, income situations, or homeownership goals.
We offer specialty loan options across 100+ lenders to help you find the right fit for your needs and goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
Start with what has changed
| WHAT IS HAPPENING | THE PROGRAM FOR IT | GO TO |
|---|---|---|
| You are taking one name off the loan | A buyout refinance, timed to work with your settlement | Divorce mortgage |
| You are retired and equity-rich | A reverse mortgage turns equity into income without a monthly payment | Reverse mortgage |
| You want to move house in retirement | Buy the next home using a reverse mortgage rather than a standard loan | HECM purchase |
| You are building, not buying | Finance the build, then convert it to a permanent loan | Construction |
| The home is manufactured | A programme written for manufactured housing rather than adapted to it | Manufactured home |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What each specialty program does
Divorce mortgage
Refinances the property into one name and releases the other. Timing matters more than anything else here.
Reverse mortgage
Converts equity into income for older homeowners, with no monthly mortgage payment required.
HECM purchase
Uses the same idea to buy a different home, rather than to stay in the current one.
Construction loans
Funds the build in stages, then becomes a permanent mortgage on completion.
Manufactured home
Financing for manufactured and modular housing, which many lenders will not touch.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
Nadeem Bhatti
Where we place specialty files
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What people ask first
Can I refinance to remove my ex-partner from the mortgage?
Yes, and it is one of the most common specialty files we handle. The timing usually needs to line up with your settlement, so start the conversation early.
Will a reverse mortgage mean my children inherit nothing?
No. The home is not surrendered. What is owed is settled when the property is sold, and anything left over stays with your estate.
Can I get a mortgage on a manufactured home?
Often yes, though far fewer lenders will do it and the requirements are specific. This is exactly the kind of file that needs shopping rather than one opinion.
How does a construction loan become a normal mortgage?
It funds the build in stages, then converts to a permanent loan when the property is finished. One application covers both.
Will this hurt my credit?
Not to start. The first conversation involves no credit pull at all.
Talk it through with someone
Tell us what has changed and when it needs to happen. We will tell you what is possible, free.