ABOUT US

At All Approved Here, we understand that navigating the vast ocean of mortgage and loan products can be daunting. That's why we've dedicated ourselves to being your compass, guiding you to the shores of your financial goals. Founded by industry veterans with a passion for empowerment through education, our website serves as a beacon of knowledge, transparency, and trust in the mortgage and loan landscape.

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Our Mission

Our mission is simple but profound: to demystify the mortgage and loan process, enabling our clients to make informed decisions with confidence. We believe that knowledge is power – the power to unlock the door to your dream home and to chart a course towards financial stability and growth.

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Our Expertise  

The team at All Approved Here possesses deep knowledge and experience across a diverse range of mortgage and loan products. We pride ourselves on offering solutions that meet the unique needs of every client, including specialized programs in both residential and commercial sectors:

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Conventional and Jumbo Loans: Standard financing solutions for a wide array of borrowers, including options for loans exceeding conforming loan limits.
FHA and VA Loans: Government-supported loans offering advantages like low down payments and favorable terms for veterans and first-time homebuyers.
Adjustable and Fixed Rate Mortgages: Flexible and stable payment options tailored to fit your financial strategy and homeownership goals.
Refinancing Options: Opportunities to improve your loan conditions, whether it's lowering your interest rate or changing your loan term.
Home Equity Lines of Credit (HELOCs): Utilize the equity in your home for major purchases, consolidating debt, or home improvements.

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Non-QM Loan Programs: Catering to those who do not meet the strict qualifying criteria of traditional mortgages, our non-QM offerings include:

Bank Statement Loans: Ideal for self-employed individuals or business owners, using bank statements to verify income instead of traditional tax documents.
Asset Depletion Loans: Utilizing your liquid assets to qualify for a loan, perfect for borrowers with significant savings but irregular income streams.
Interest-Only Loans: Providing lower initial payments by only requiring interest payments for a predefined period, suitable for borrowers expecting higher income in the future.
DSCR (Debt Service Coverage Ratio) Loans: Designed for real estate investors, allowing the rental income of the property to be used to qualify for the loan instead of personal income.

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Commercial Loan Types: Our expertise extends to the commercial realm, offering financing solutions for business owners and real estate investors:

Multifamily Loans: Financing for apartment buildings and multifamily units, from duplexes to larger complexes.
Commercial Mortgages: For purchasing or refinancing commercial properties like office buildings, retail spaces, and warehouses.
SBA Loans: Small Business Administration loans that offer favorable terms for small business owners looking to purchase or refinance commercial property.
Bridge Loans: Short-term financing options used to bridge the gap until long-term financing can be secured, ideal for quick-turnaround investments.

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At All Approved Here, we're committed to guiding you through the complexities of the loan selection and application process, ensuring you find the right financing solution to meet your goals.

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Our Clients

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At All Approved Here, our clients are the cornerstone of our business. We serve a wide array of individuals and organizations, each with their unique financial landscapes and objectives. Our comprehensive suite of mortgage and loan products is designed to meet the needs of:

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First-Time Homebuyers: Navigating the path to homeownership with tailored advice and optimal loan solutions.
Real Estate Investors: Offering specialized financing options like DSCR loans and investment property loans to grow portfolios and maximize returns.
Developers and Builders: Providing construction loans, bridge financing, and project-specific lending solutions to bring visions to life, from groundbreaking to grand opening.
Contractors: Supporting the financial needs of contractors with loans that facilitate everything from small renovations to major construction projects.
Business Owners: Assisting with commercial mortgages, SBA loans, and other financing solutions that help businesses expand their physical presence and operational capacity.
Self-Employed Individuals: Addressing the unique challenges faced by self-employed clients with bank statement loans and other non-QM options.
Property Flippers: Fast financing with hard money loans and bridge loans designed for quick purchases, renovations, and sales.
High Net Worth Individuals: Customized financing solutions like jumbo loans and asset depletion loans tailored to the unique requirements of affluent clients.
Families and Individuals Relocating: Streamlining the moving process with loan options that make transitioning to a new home smoother and more financially manageable.
Retirees: Offering reverse mortgage options and refinancing solutions to enhance financial freedom during retirement.

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Our Commitment  
To our clients, we pledge:

Transparency: Clear, honest communication at every step.
Empowerment: Equipping you with the knowledge to navigate your mortgage journey.
Customization: Tailoring solutions to perfectly fit your unique needs and circumstances.
Support: Standing by you from initial inquiry to final approval, and beyond.

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Join Us on Your Journey  
Whether you're stepping into the world of homeownership for the first time or exploring ways to optimize your current mortgage situation, All Approved Here is here for you. Let's embark on this journey together, turning possibilities into realities, one approval at a time.

For insights, guidance, and a partner in your mortgage or loan process, look no further than All Approved Here. Your dream, fully approved.

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