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Thinking Outside The "Big Bank Box"

Access to a wide range of loan programs is the key to financing unique situations. Not all clients will fit into the rigid "Big Bank Box," and we pride ourselves on providing creative, flexible financing options for those exact scenarios.

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Our experience, creativity, and tenacity are what make us truly excellent at what we do! We don't just look at credit scores and tax returns; we look at the whole picture to build a loan that works for your specific life situation.

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Why Borrowers Choose GMS for Traditional and Non-Traditional Lending

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  • Diverse Loan Portfolio: From bank statement loans for entrepreneurs to rapid cash-out options for investors, we offer products standard banks cannot touch.

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  • Problem-Solving Mindset: We welcome unconventional scenarios like ITIN borrowers, foreign nationals, asset depletion, and down payment assistance.

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  • Tenacious Advocacy: If there is a viable pathway to homeownership or refinancing, our team will work tirelessly to find it and secure it for you.

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  • Bulletproof Approvals: Just like our standard programs, we underwrite your unique files upfront so you can shop or refinance with total peace of mind.

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Browse below for some of our most popular programs.

Conventional

Modern Stone House

  • 3% Down payment - First time home buyer (5% if already a home owner)

  • Mid Fico score of 620

  • Single Family, 2-4 units, Condo, Manufactured home

  • Fixed and Adjustable rate options

  • Non-Occupant CoBorrower to help qualify (Primary Residence only)

  • All  occupancy types

  • High balances are eligible

  • Down payment and closing cost assistance

  • Debt to Income Ratio to 50%

A conventional loan is the most traditional type of home mortgage. Unlike government-backed loans, it is funded and managed directly by private lenders. Because it follows standard industry rules, it offers a predictable, straightforward path to homeownership for buyers with stable credit and a steady down payment.

FHA

Modern Suburban Home
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  • 3.5% Down payment

  • Mid Fico score of 580

  • Single Family, 2-4 units, Condo, Manufactured home

  • Non-Occupant CoBorrower to help qualify

  • Primary Residence Occupancy 

  • High balance are eligible

  • Down payment and closing cost assistance available

  • Reduced rates

  • Mortgage insurance regardless of down payment

  • Debt to Income ratio to 55%

An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). Because the government backs the loan, there is less risk,  meaning more flexible approval guidelines can be offered. This program is highly popular among first-time homebuyers and individuals with evolving financial backgrounds who need a more accessible path to homeownership

VA

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Modern Suburban Home
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  • O% Down Payment -That's right! No down payment

  • Mid Fico score of 580

  • Single Family, 2-4 units, Condo, Manufactured home

  • Primary Residence Occupancy (Subsequent use available)

  • High balance are eligible

  • Closing cost assistance available

  • Reduced rates

  • No mortgage insurance 

  • Debt to Income Ratio to 55% 

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). Created to honor the service of military members, this program offers unmatched financial benefits to active-duty service members, veterans, and eligible surviving spouses. Because the government guarantees a portion of the loan, highly favorable terms can be offered that make homeownership uniquely affordable.

USDA

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Modern Suburban Home
Car On Rural Road

  • O% Down Payment -That's right! No down payment

  • Mid Fico score of 580

  • Single Family, 2-4 units, Condo, Manufactured home

  • Primary Residence Occupancy (Subsequent use available)

  • High balance are eligible

  • Closing cost assistance available

  • Reduced rates

  • No mortgage insurance 

  • Debt to Income Ratio to 55% 

A USDA loan is a government-backed mortgage guaranteed by the U.S. Department of Agriculture (USDA). This specialized program is designed to promote homeownership in rural and suburban communities across the country. Because the government backs the loan, incredible financial perks to low-to-moderate-income families looking to buy a home outside of major metropolitan areas can be offered.

Non- QM

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Modern Suburban Home
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  • 10% to 30% down payment

  • Mid Fico score of 620

  • Single Family, 2-4 units, Condo, Manufactured home

  • All occupancy types

  • Loan amounts to $4 million

  • 3 to 12 months reserves required on most loans

  • No mortgage insurance 

  • Debt to Income Ratio from 43 % to 50% 

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Income Types

  • Full document (W2 Income)

  • 12 and 24 months personal or business bank statement options

  • 12 and 24 month Profit and Loss 

  • Asset depletion

  • 1099 contractor

A Non-QM (Non-Qualified Mortgage) loan is a specialized home loan designed for creditworthy borrowers who do not fit into the rigid rules of traditional, government-backed financing. Standard mortgages require standard documentation like W-2s and tax returns. Non-QM loans allow alternative methods to verify your ability to repay, making them the ultimate tool for unique financial situations.

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