Your Situation
Isn't the Problem.
It's the Starting Point.
Complex finances, challenged credit, unconventional income. Brett Latos works to find loan programs that fit where you are.
Get StartedA Full Toolkit,
Built for Every Borrower
From straightforward to complex, the right loan exists for your goals. Brett specializes in programs that others pass on.
Conventional
The standard playbook. Clean, competitive, and flexible for borrowers who meet traditional qualification guidelines.
FHA
Government-backed financing with lower down payment options. A solid path for first-time buyers and those rebuilding credit.
VA
For eligible veterans, active-duty service members, and surviving spouses. No down payment required for those who qualify.
Private lender offering VA-guaranteed loans. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs.
Jumbo
For higher-value properties that exceed conforming loan limits. Tailored solutions for borrowers with stronger financial profiles.
DSCR
Qualify investment properties on rental income potential, not personal income. Built for real estate investors growing a portfolio.
Fix & Flip
Short-term financing to acquire and renovate properties. Move fast on opportunities and exit cleanly when the project wraps.
Bridge Loans
When timing doesn't line up perfectly, bridge financing spans the gap between selling your current property and closing on the next one.
Non-QM
Alternative documentation for borrowers who don't fit the traditional mold. Self-employed, foreign nationals, complex income. This is Brett's specialty.
All loans are subject to credit approval. This is not a commitment to lend or extend credit. Products listed are subject to availability and borrower qualification. DSCR and Fix & Flip loans are business-purpose loans.
The Loan Officer Who Actually Goes The Extra Mile
Most loan officers work the easy files. Brett Latos is the one people call when the situation is complicated.
Brett genuinely enjoys digging into underwriting guidelines, finding the programs others overlook, and structuring loans that actually reach the closing table. He works with clients from every walk of life and every financial background, not just the ones with perfect W2s and clean credit.
If there is a path forward, Brett is going to find it.
White Glove Service,
From Start to Close
Every file Brett touches gets the same level of attention. No confusion, no dropped balls, or wondering what's happening with your loan.
Hands-On Every Step
Brett personally manages every loan file. You work directly with him from your first conversation through closing day.
Always in the Loop
Communication is a priority. Brett keeps you updated at every milestone so you always know exactly where your loan stands.
Complex Files Welcome
Messy finances, low credit, unconventional income, unique residency status. Brett has worked through it all and welcomes the challenge.
Built Around Your Goals
Every program recommendation is tailored to your specific situation and what you are actually trying to accomplish.
Ready to See What's Possible?
Start with a quick conversation. Brett will review your situation and lay out your options clearly.
Get Started