Non-Conforming Mortgage Home Loans

We service a multitude of different loan types including non-conforming loans as well as conventional home loans. When you speak with us we will arrange for a meeting to discuss you goals and specific finances in order to offer you the right non-conforming mortgage loan for you specific situation. Our goal is simple, to make the mortgage process easy, hassle free and personal. We are not an internet mortgage provider and that is something we are proud of, we live in the Capital District community and are committed to making it better.

When you meet with one of our mortgage specialists they will help guide you as well as provide you with the right information and answer any of your mortgage or loan related questions.

If at any time you have a question please do not hesitate to contact one of our non conforming mortgage specialists by phone at (518) 452-4700 or contact us by email.

What is a Non-Conforming Mortgage?

A non-conforming loan (or jumbo loan) exceeds the amount set by one of two Government Sponsored Enterprises: Fannie Mae and Freddie Mac for the size and down payment required.


Other Non-Conforming or Expanded Criteria Loans

Loans available to borrowers who require unique financing due to loan characteristics such as higher LTV's, occupancy and property types or questionable credit issues.

    Other Loan Types we offer

  • Fixed and variable rates
  • Purchase loans with up to 6% seller concessions allowed
  • No income/No asset verification loans
  • Investor loans
  • Previous or current bankruptcy or foreclosure
  • High debt to income ratios
  • Debt consolidation
  • Cash out refinances
  • First, second and home equity loan mortgages
  • Investor cash outs
  • 100% + financing on purchase

Due to the wide variety of mortgage programs available, not all products are listed here. Please call us at (518) 452-4700 or complete our contact form so that we may have the opportunity to serve you better.