Whether your finances are straightforward or a little more complicated, Ingenia Mortgage helps you find financing that fits. We are known for solving complex files, and we welcome conventional and FHA borrowers just as enthusiastically.
If your situation is simple, we make the process clear and easy. If it is more complicated, we look at the whole picture and find the program that fits. Either way, you get the same personal attention.
Conventional, FHA, and jumbo financing with clear guidance from first call to closing. Straightforward files are always welcome.
Bank statement and alternative-documentation programs built around real cash flow, not just a tax return line item.
DSCR and investment-property programs qualified on property performance, built for growing a portfolio.
Income that varies month to month, evaluated the way it's actually earned over time.
Asset-based and asset-depletion approaches for borrowers whose wealth isn't reflected in a paycheck.
A decline often means the wrong program, not the wrong borrower. We look for the fit your bank didn't have.
We are not a lender, and we are not a hard-money lender. We are advisors who match your situation to the right program among our partners.
Standard agency financing for purchases and refinances, whether you are a first-time buyer or a seasoned homeowner.
Government-backed financing with flexible qualification for a range of borrowers.
Financing above conventional limits for higher-value residential properties.
Qualification based on personal or business bank deposits instead of tax returns.
Investment-property financing qualified on the property's own cash flow.
Additional wholesale programs available depending on your specific financial profile.
Tom brings a rare combination to every client relationship: years as a mortgage professional, and years running his own business. He has sat on both sides of the table: originating loans, reviewing underwriting decisions, and analyzing appraisals. He has also met payroll, managed cash flow, and made the financial decisions that come with owning a company.
Banks are built for a narrow set of financial profiles. If yours didn't fit, it doesn't mean a mortgage isn't possible. Let's take another look together.
Schedule a ConsultationWhen a client's financial life doesn't fit a conventional file, we're the advisor you call before saying no. Straightforward communication, realistic timelines, and a program built around the client's actual situation.
Partner With Us