Smart, Strategic Lending for Your Financial Future
Built Around Your Goals, Not Bank Guidelines
Every borrower is different — and so is every solution I offer. Whether you're a senior looking to retire with peace of mind, an investor needing flexible options, or someone who doesn’t fit the traditional loan mold, I structure loans that work with your life. My role isn’t just to get you approved — it’s to make sure your loan actually works for your long-term goals.
For Homeowners 62+: Retire Strategically With Confidence
Legacy Reverse Mortgage Solutions
A Legacy Reverse Mortgage helps you unlock your home’s equity to create lasting financial flexibility in retirement. Whether you're looking to stay in your home, eliminate monthly mortgage payments, or create tax-free income, I’ll guide you through how this tool can help you protect your lifestyle and legacy.
I work closely with seniors and their families to answer questions like:
- How can I turn my home equity into income?
- Will this impact my estate or ownership?
- What’s the smartest way to use a reverse mortgage today?
If you or a loved one is exploring retirement income options, I’m here to help you make a fully informed, confident decision.
Creative Lending for Unique Borrowers
Jet Direct Mortgage: Next-Level Non-QM Loan Arsenal
Jet Direct Mortgage delivers bold, creative loan paths for borrowers who don’t fit the mold—backed by deep expertise, fast underwriting, and personal support. Here's a refined breakdown of their most in-demand Non‑QM options:
Other Strategic Mortgage Tools
Tailored Options for Today’s Homeowners and Investors
Investment Property Loans
Build long-term wealth through real estate. From single-family rentals to multifamily units, these loan programs are tailored for investors looking to expand their portfolios with smart, scalable financing.
Reverse for Purchase
Buy your next home — with no monthly mortgage payments. Reverse for Purchase loans allow eligible seniors to use a reverse mortgage to purchase a new primary residence, helping you right-size without the stress of traditional financing.
Cash-Out Refinance Options
Unlock the equity you’ve built. Whether you need funds for debt consolidation, home upgrades, or investing, cash-out refinancing provides flexible access to your home’s value — with personalized guidance along the way.
HELOCs & Second Mortgages
Whether you're consolidating debt, funding home improvements, or building wealth through real estate, HELOCs and second mortgages let you access your home’s equity without touching your current mortgage. With flexible income verification, high CLTV allowances, and eligibility for primary, secondary, and investment properties — these tools offer serious financial versatility.
Close More Deals With a Trusted Non-QM Lending Expert
Are You a Real Estate Agent or Industry Partner?
In today’s evolving market, not every client fits in the traditional mortgage box — and if you’re not offering Non-QM options, you’re missing closings, clients, and commission. I work directly with real estate professionals to help you win more deals with flexible, creative loan solutions.
- In-house underwriting = faster approvals and smoother closings
- Competitive pricing that helps you secure more business
- Deep expertise structuring complex loan scenarios
- Personal support — no call centers, no guesswork
- Non-QM done right, backed by Jet Direct Mortgage
Our Most In-Demand Non-QM Programs:
- Bank Statement Loans: Use 12–24 months of statements instead of W-2s
- DSCR Loans: Investors qualify based on rental cash flow
- Asset Depletion Loans: High-net-worth clients qualify based on liquid assets
What We Do
Smart Loan Solutions for Every Need
HOME LOANS
Your Path to the Right Mortgage
CONVENTIONAL HOME LOANS
Trusted Financing for Strong Credit Buyers
FHA HOME LOANS
Flexible Loans With Low Down Payments
FHA 203(K) HOME LOANS
Renovate and Finance With One Loan
HECM FOR PURCHASE
Buy Your Next Home Using Equity
JUMBO LOANS
Big Financing for High-Value Properties
REFINANCE LOANS
Lower Your Rate or Change Your Terms
CONVENTIONAL REFINANCE
Save More With Competitive Rates
FHA STREAMLINE REFINANCE
Fast, Hassle-Free FHA Loan Refinancing
HECM REVERSE MORTGAGES
Access Home Equity for Retirement
PRE-APPROVALS
Get Pre-Approved and Shop Confidently
NON-QM LOANS
Smart Financing for Unique Situations
LEGACY REVERSE MORTGAGE
Plan Your Retirement With Confidence
FIRST POSITION HELOC
Flexible Credit for Smart Homeowners
HELOC & SECOND MORTGAGES
Tap Your Equity Without Selling
HOMESAFE REVERSE MORTGAGE
Access More Equity, Keep More Control
Loan Strategy & Lending Clarity
Straight Answers for Your Most Important Questions
Unlike a traditional loan, a legacy reverse mortgage pays you — and doesn’t require monthly payments. It’s a way to stay in your home while accessing your equity. I’ll help you understand the pros, cons, and whether it fits your retirement strategy.
Fill out our contact form and set up a time to talk to Paul Harmon.Fill out our contact form and set up a time to talk to Paul Harmon..
No — but you do need significant equity. If you're unsure, I can help run the numbers to see if you qualify and how much you could access.
Non-QM loans are ideal for borrowers with unconventional financial profiles — like self-employed clients, real estate investors, or those with recent credit events. If traditional loans don’t work for you, this might.
Yes, but options may be more limited. I’ll help you explore creative solutions based on your credit, reserves, and cash flow.
Absolutely. It’s called a “Reverse for Purchase” loan. You can buy a primary residence and eliminate monthly payments — a great option for seniors looking to right-size.
Let’s Talk Strategy
Personalized Guidance for Your Unique Financing Needs
Whether you're planning a purchase, restructuring debt, or exploring long-term wealth strategies, I’ll help you cut through the noise and move forward with clarity. Let’s connect and figure out the smartest path for you — no pressure, just results-driven advice.
