Loan Programs
A curated portfolio of high-end financing options, designed for the sophisticated borrower seeking architecturally significant investments.
Conventional Loans
Jumbo Loans
Non-QM/Bank Statement Loans
The benchmark for most home purchases. Fannie Mae and Freddie Mac-backed loans offering strong rates and flexible terms for well-qualified borrowers. If your income is straightforward and your credit is solid, this is typically the most cost-effective path.
For loan amounts above conventional conforming limits — the reality for most Los Angeles buyers. Jumbo financing requires lender relationships and underwriting expertise that most brokers simply don't have. Ben navigates this space daily.
Built for the borrower whose tax returns don't tell the full story. Business owners, freelancers, and 1099 earners often write off significant expenses — reducing taxable income and creating a false picture of their actual cash flow. Non-QM fixes this.
Primary · Second Home · Investment
Luxury · High-Value Properties · LA Market
Self-Employed · 1099 · Complex Income
DSCR Investor Loans
Debt Service Coverage Ratio loans underwrite on the property's income — not yours. Built for investors who want to scale a rental portfolio without filing new tax returns for every purchase or hitting personal DTI ceilings.
Government-backed and designed to make homeownership accessible. FHA isn't a fallback — it's the strategically correct tool for buyers who are building credit, have limited down payment savings, or carry higher debt-to-income ratios.
FHA Loans
VA Loans
The most powerful loan program available to those who qualify. If you've served, you've earned benefits that most lenders don't work hard enough to fully leverage. Ben specializes in making sure veterans get exactly what they're entitled to.
Real Estate Investors · Rental Properties
First-Time Buyers · Credit Rebuilding
Veterans · Active Duty · Surviving Spouses
Bridge & Fix-and-Flip
Refinance
When timing is everything, traditional underwriting is too slow. Bridge loans and fix-and-flip financing prioritize speed and asset value — giving investors the capital they need to move quickly and exit cleanly.
Your mortgage shouldn't be a static fixture. Markets shift, equity accumulates, and financial goals evolve. A strategic refinance — at the right moment — can lower your payment, shorten your loan, fund a renovation, or restructure your debt more efficiently than almost any other financial move.
Short-Term · Speed-Critical Transactions
Rate-Term · Cash-Out · Streamline
All loans originated through Centek Capital Group | DRE #01219983 | NMLS #275995