Smart Lending. Personalized Guidance. Results You Can Trust.

At B-Webster Loans, we believe every borrower deserves more than a cookie-cutter solution. That’s why we partner with over 250 trusted lenders and offer an extensive range of programs designed to meet a wide variety of needs. Whether you're purchasing your first home, investing in property, or navigating a unique financial situation, we’ll help you find the loan that fits. Because the right loan isn’t just about numbers — it’s about trust, strategy, and finding a path that truly fits your life.

Popular programs we offer include:
FHA • VA • USDA • Jumbo • Bank Statement • HELOC • DSCR • Asset Qualifier • ITIN • DPA • Renovation Loans • Reverse Mortgages • Non-Warrantable Condos • Interest-Only Loans • Investment & Commercial Loans

Got Questions?

We've Got Answers.

Find the Right Loan for You

Whether you're buying your first home, refinancing, or investing, I’ll help you explore traditional and flexible mortgage options — tailored to your lifestyle.

QM Loans

These Qualified Mortgage programs follow government guidelines and are ideal for borrowers with verifiable income, credit, and steady employment.

FHA Loan

Great for first-time buyers or those with lower credit. Offers flexible guidelines and low down payments.
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VA Loan

Exclusive to veterans and military members. No down payment or PMI required.
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Conventional Loan

A top choice for buyers with solid credit. Flexible loan terms with competitive rates.
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USDA Loan

Backed by the USDA for rural properties. Zero down payment if eligible.
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Non-QM Loans

For borrowers who don’t meet traditional lending criteria. These flexible options are ideal for self-employed, investors, and unique income scenarios.

Bank Statement Loan

Use 12–24 months of bank statements instead of tax returns to qualify. Great for business owners.
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Asset Qualifier Loan

Use liquid assets or retirement savings to qualify—no income verification needed.
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Foreign National Loan

For non-U.S. citizens purchasing investment properties.
*May also qualify for QM programs depending on residency and credit
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ITIN Loan

For borrowers without a Social Security Number. Requires valid ITIN and income documentation.
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Specialty Programs

Custom-fit solutions designed for specific life stages and needs — from first-time buyers to homeowners tapping into equity.

First-Time Buyer

Support for new buyers with low down payments, grants, and flexible terms.
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Down Payment Assistance (DPA)

Combine your mortgage with funds to help cover your down payment and closing costs.
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Reverse Mortgage

For homeowners 62+, convert your home equity into cash with no monthly mortgage payments.
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HELOC

Access a revolving line of credit based on your home equity. Use funds as needed.
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How It Works

There are 10 steps to getting approved for a QM and Non-QM Mortgage

Hover over each picture to view additional information on each step.

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Step 1: Check Eligibility

Review credit score, income, DTI, and residency status to confirm loan readiness.

Step 2: Get Pre-Approved

Submit income, credit, and asset documentation to receive a pre-approval letter.

Step 3: Find a Home

Work with a real estate agent to find a home that fits your loan and budget.

Step 4: Make an Offer

Submit a purchase offer with financing terms that match your loan program.

Step 5: Loan Application

Complete the full application and lock in your interest rate, if applicable.

Step 6: Appraisal & Inspection

Appraisal confirms home value; inspection identifies potential repairs.

Step 7: Underwriting

Lender reviews all documents and verifies eligibility for loan approval.

Step 8: Final Approval

Once cleared to close, you'll receive your final closing disclosure and documents.

Step 9: Closing Day

Sign the paperwork, fund the loan, and receive the keys to your new home!

Step 10: Move In!

Celebrate your new beginning and start making your house a home.

How Much Can I Afford?

Estimate your monthly mortgage payment

Loan Type: ⓘ Home Price: Estimate only Down Payment: ⓘ Loan Term: Estimate only Interest Rate (%): Estimate only Property Taxes (Annual): Estimate only Home Insurance (Annual): Estimate only HOA Fees (Monthly):

Note: This calculator uses estimated costs and should be used for estimate purposes only.
Closing costs are assumed at 6% but can range between 2–6% depending on your situation. Interest rate, taxes, insurance, and PMI are all estimated.

Ready to Take the First Step?

Let's get started! Fill out the form below.

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Loan Program FAQ's

Choosing the right mortgage program can feel overwhelming — but it doesn’t have to be. Below are answers to some of the most common questions borrowers ask. Whether you’re exploring your first home loan or considering a non-traditional option, we’re here to help make the process clear and confident.

What’s the difference between a QM and a Non-QM loan?

QM (Qualified Mortgage) loans follow strict federal guidelines and are ideal for borrowers with traditional income and credit. Non-QM loans offer more flexible options — perfect for self-employed buyers, retirees, or those with non-traditional documentation.

Can I qualify if I’m self-employed?

Absolutely. If your income doesn’t show up clearly on a tax return, we offer Bank Statement and Asset Qualifier loans that let you qualify using 12–24 months of deposits or verified assets instead.

What if I don’t have a Social Security Number?

You may still qualify through our ITIN loan program. These loans are designed for borrowers who file taxes using an Individual Taxpayer Identification Number.

What’s the minimum down payment required?

It depends on the program. Conventional loans can start at 3%, FHA at 3.5%, and VA/USDA loans offer 0% down for those who qualify. Non-QM programs typically start around 10% down.

Can I use a Non-QM loan to buy an investment property?

Yes! Many Non-QM programs, like DSCR loans (based on rental income), are designed specifically for investors and don’t require personal income documentation.

How do I know which loan is right for me?

That’s what I’m here for. We’ll talk through your goals, review your finances, and find the program that fits your lifestyle — whether that’s a traditional loan or something more flexible.