The Elevated Experience, Customized Loan Strategies

Crafted for the Home Buyer, Engineered for the Investor with Unique Income Streams, Structured for Refinancing Clients with Credit Bumps, and Legacy Financing for Seniors who value security and independence.

"Your goals aren't standard. Your loan shouldn't be either."

Clarity, Access, and Strategy From Start to Finish

Tailored Loan Solutions for Every Scenario

With nearly three decades in residential lending, I’ve learned that no two borrowers — or Realtors — face the same challenges. That’s why my approach is never one-size-fits-all. From reverse mortgages to Non-QM financing, I focus on uncovering the right solution for each client’s unique financial picture. My role isn’t just about delivering loan products; it’s about building a strategy that helps families, investors, and retirees move forward with confidence. Whether you’re navigating a complex deal, managing multiple properties, or planning for long-term wealth, I make the process clear, efficient, and tailored to your goals.

What We Do

Smart Loan Solutions for Every Stage of Life

Whether you’re buying your first home, refinancing for savings, or planning long-term wealth strategies, I provide loan solutions designed around your goals. Explore the programs below to see how we can align financing with your bigger picture.

HOME LOANS

Your Path to the Right Mortgage

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CONVENTIONAL HOME LOANS

Trusted Financing for Strong Credit Buyers

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FHA HOME LOANS

Flexible Loans With Low Down Payments

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FHA 203(K) HOME LOANS

Renovate and Finance With One Loan

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HECM FOR PURCHASE

Buy Your Next Home Using Equity

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JUMBO LOANS

Big Financing for High-Value Properties

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REFINANCE LOANS

Lower Your Rate or Change Your Terms

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CONVENTIONAL REFINANCE

Save More With Competitive Rates

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FHA STREAMLINE REFINANCE

Fast, Hassle-Free FHA Loan Refinancing

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HECM REVERSE MORTGAGES

Access Home Equity for Retirement

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PRE-APPROVALS

Get Pre-Approved and Shop Confidently

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NON-QM LOANS

Smart Financing for Unique Situations

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LEGACY REVERSE MORTGAGE

Plan Your Retirement With Confidence

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FIRST POSITION HELOC

Flexible Credit for Smart Homeowners

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HELOC & SECOND MORTGAGES

Tap Your Equity Without Selling

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HOMESAFE REVERSE MORTGAGE

Access More Equity, Keep More Control

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REVERSE MORTGAGE FOR FINANCIAL ADVISORS

Practical Insights Backed by Data, Not Myths

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ELDER LAW ATTORNEYS & REVERSE MORTGAGES

Modern Solutions for Legacy Protection

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Real Experience. Real Results.

27+ Years of Getting Loans Across the Finish Line Across 26 States

I don’t just check boxes — I solve problems. My approach is personal, direct, and driven by what works in the real world. Whether you’re focused on retirement goals or looking for creative lending outside traditional guidelines, I’m here to guide you with clarity and straight answers. You bring the goal — I’ll build the strategy.

Explore Your Next Move

Get Clear on the Process, Find the Right Loan, or Reach Out to Talk Strategy

Know What to Expect

I keep the mortgage process clear, direct, and efficient — from first call to closing.

Find the Right Loan

Explore Reverse, Non-QM, All-in-One, and more — all tailored to fit your goals.

Support for Realtors

From Non-QM to Reverse solutions, I provide financing strategies that protect your deals and your clients.

Partnering With Realtors to Close More Deals

Creative Financing That Keeps Transactions Moving Forward

Realtors know better than anyone that financing can make or break a deal. Too often, strong buyers get turned away because they don’t fit into the narrow guidelines of traditional mortgages. That’s where I come in. I work directly with real estate professionals to turn potential dead ends into closed transactions by providing flexible Non-QM solutions, strategic reverse mortgage programs, and creative lending options that other lenders overlook.

With in-house underwriting, quick approvals, and hands-on support, I help you give your clients answers when they need them most. More importantly, I make sure you have a partner who understands how to navigate complex scenarios and structure deals that actually work. The result? Smoother closings, happier clients, and stronger repeat business.

Your Clients. My Financing Expertise. Together, We Close.

Strategic lending solutions designed to help Realtors win more business.

What Our Clients Say

Testimonials

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Let’s Build a Plan Around Your Financial Future

Reach Out Today For Smart Lending Done Right.

Whether you’re 62 and exploring reverse mortgage options, an investor looking for creative Non-QM financing, or a homeowner ready to refinance, I’ll help you find the smartest path forward.

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Jet Direct Mortgage © 2025. All Rights Reserved. Alabama Consumer Credit License - License/Registration #22632; Arizona Mortgage Banker License - Lic/Reg#:1040763; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act - #41DBO-81230; Colorado Mortgage Company Registration #LMB100014791; Connecticut Mortgage Lender License #20333; Delaware Lender License - License/Registration #032943; Florida Mortgage Lender Servicer License #MLD357; Licensed by the Georgia Department of Banking and Finance Company License Company - License #64345; Illinois Residential Mortgage License - Lic/Reg#:MB.6850070; Indiana DFI Mortgage Lending License No. 59981; Maine Supervised Lender License No. SLM9525; Maryland Mortgage Lender License #17365; MA Mortgage Lender License #ML3542; Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FL10015703; Licensed Residential Mortgage Lender NJ Dept of Banking & Insurance #3542; New Mexico Mortgage Loan Company License 3542; Licensed Mortgage Banker NYS Department of Financial Services #B500903 – NMLS#3542; North Carolina Mortgage Lender License L-180193; Ohio Mortgage Broker Act Mortgage Banker Exemption # MBMB.850088.000; Oregon: State of Oregon ML-3542; Pennsylvania Mortgage Lender License No. 47421; South Carolina-BFI Mortgage Lender / Servicer License MLS–3542; Tennessee Mortgage License - License/Registration #17365; Texas – SML Mortgage Banker Registration; Virginia License/Registration # MC-4985; Washington Department of Financial Institutions, Consumer Loan Company License CL-3542; Wisconsin - Mortgage Banker License, #ML3542;

Service areas:Long Island|NYC|CA|NC

NMLS: 3542 NMLS CONSUMER ACCESS

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Perry Pappas | Reverse, Non-QM, and Investment Mortgage Solutions

The Elevated Experience, Customized Loan Strategies

​"Your goals aren't standard. Your loan shouldn't be either."

Clarity, Access, and Strategy From Start to Finish

Tailored Loan Solutions for Every Scenario