Your Homeownership Dream Starts Here
We simplify every mortgage program from first-time buyer assistance to complex investment financing, so you can focus on moving in. Our licensed brokers guide you with honest advice, ensuring your loan fits your life, not just a spreadsheet.
You're Matched
We have access to every type of loan, guaranteeing we find the perfect fit for your situation, not just the one loan our bank offers.
You're Guided
Your JD Agban broker acts as your personal advocate, ensuring you understand every term and document, resulting in a 97% Client Satisfaction rate.
You're Supported
We offer solutions for every borrower, including those with unique income or credit challenges.
Reliable, common programs ideal for W2 employees and first-time buyers
- Conventional
- FHA Loans
- VA Loans
- USDA Loans
- DPA (Down Payment Assistance)
Programs for unique income or credit profiles
- Bank Statements
- Non-QM (Non-Qualified Mortgage)
- No Income or Employment
- Min FICO 500
- ITIN / Foreign National
Specialized tools for growing wealth, renovation, or home equity
- Jumbo Loans
- DSCR (Debt Service Coverage Ratio)
- Fix & Flip
- Construction/Renovation
- HELOC (Home Equity Line of Credit)
- HECM (Reverse Mortgage)
- Bridge Loans
- Private Hard Money Lending
- Vacant Land
Conventional, FHA Loans, VA Loans, USDA Loans, DPA (Down Payment Assistance)
CLASSIC
PATH LOANS
Jumbo Loans, DSCR (Debt Service, Coverage Ratio), Fix & Flip, Construction/Renovation, HELOC (Home Equity Line of Credit), HECM (Reverse Mortgage), Bridge Loans, Private Hard, Money Lending, Vacant Land.
Investor & Advance Strategies
Bank Statements, Non-QM (Non-Qualified, Mortgage), No Income or ,Employment, Min FICO 500, ITIN / Foreign National
Non Traditional Solution Loans
We've organized our solutions into categories based on your situation. Use the tabs below to explore the programs that meet your needs.
Finding Your Perfect Loan Program
Classic Path
These are our reliable, common programs ideal for W2 employees and first-time buyers.
Conventional
The most popular and flexible mortgage. Best for borrowers with stable income and good credit seeking competitive rates.
FHA Loans
Perfect for first-time buyers or those with lower down payment funds. Government-backed to allow for smaller down payments and more flexible credit requirements.
VA Loans
A powerful benefit for U.S. Veterans and active service members. Offers 0% down payment and no private mortgage insurance (PMI).
Conventional
The most popular and flexible mortgage. Best for borrowers with stable income and good credit seeking competitive rates.
FHA Loans
Perfect for first-time buyers or those with lower down payment funds. Government-backed to allow for smaller down payments and more flexible credit requirements.
VA Loans
A powerful benefit for U.S. Veterans and active service members. Offers 0% down payment and no private mortgage insurance (PMI).
USDA Loans
Designed for properties in eligible rural areas. Offers low-to-moderate income borrowers 0% down payment financing.
DPA (Down Payment Assistance)
For qualified buyers who need help covering closing costs or the down payment. We help you access local and state grants.
Non Traditional Solution
These programs demonstrate our Expertise in solving financial puzzles when your income or credit profile is non-standard.
Bank Statements
The ideal solution for self-employed people who write off expenses. We verify income using your business or personal bank statements instead of tax returns.
Non-QM
(Non-Qualified Mortgage)
Custom solutions for unique situations. Flexible underwriting when a standard W-2 and tax return simply don't tell your whole story.
No Income or Employment
Specialized options for high-net-worth borrowers or retirees who have significant assets but minimal verifiable employment income.
Min FICO 500
We believe in second chances. We offer pathways to financing, even when your credit history isn't perfect, helping you achieve homeownership sooner.
ITIN / Foreign National
Financing designed specifically for non-U.S. citizens who use an Individual Taxpayer Identification Number or international income.
Investor & Advance Strategies
These are specialized tools for growing wealth, renovating properties, or accessing home equity.
Jumbo Loans
Financing for high-value properties that exceed the standard conforming loan limits in your area.
DSCR (Debt Service Coverage Ratio)
The investor's best friend. Loans based on the investment property's projected rental income, not your personal W-2 income.
Fix & Flip
Fast, short-term capital for acquiring and renovating a property quickly to sell for profit.
Construction
/Renovation
Funds to build a brand new home or undertake a major overhaul of your existing residence.
HELOC (Home Equity Line of Credit)
A revolving line of credit that lets you tap into your home's equity for things like debt consolidation or home improvemen
HECM (Reverse Mortgage)
Allows homeowners aged 62+ to convert a portion of their home equity into cash without having to make monthly mortgage payments.
Bridge Loans
Short-term financing used to 'bridge' the gap, often used when you need to buy your new home before you've sold your current one.
Private Hard Money Lending
Asset-based loans for real estate investors who need very fast funding and can use the property as collateral.
Vacant Land
Financing specifically for the purchase of undeveloped property for future use or building.
Loan Processing in 1, 2, 3, 4, 5-Done
A True Partner from Start to Finish. Your JD Agban Group broker simplifies complex lending into five predictable steps, guiding you through the entire process. We provide the licensed expertise and support needed to get your Residential, Commercial, or Business financing closed smoothly and with total confidence.
Initial Consultation
Meet with the client to understand their financial goals and review their current financial profile.
Application Review
Analyze submitted figures, verify accuracy, and identify the most suitable loan program based on their needs.
Loan Processing
Collect necessary documentation, conduct credit checks, and validate income, assets, employment, and other key financial details.
Underwriting and Closing
Facilitate the underwriting process and guide the client through final loan approval and closing.
Post-Closing Relationship Management
Conduct annual financial reviews to support evolving needs and maintain a long-term advisory relationship.
See What Our Customers Are Saying
“Integrity and Professionalism.”
I am pleased to recommend George Agban of The JD Agban Group in Houston, Texas, as a trusted and highly skilled Mortgage Advisor. George has consistently demonstrated a strong commitment to his clients, combining deep industry knowledge with integrity and professionalism.
-Mack Bowie
— Jessica R., Westfield
“Honest service you can trust.”
George is so knowledgeable and has great knowledge of what he does. I highly recommend having a meeting with him.
-Holly Holliday
— Tom M., Essex County
Everything You Need to Know
This section answers the most common questions our clients ask about the mortgage process, helping you feel prepared and confident before you even start the application.
What’s the difference between Prequalification and Preapproval?
Prequalification is a fast, rough estimate based on the information you provide. It's a quick chat, but it doesn't verify anything. Preapproval, however, is essential. It involves a full credit check and income verification by your lender. A Preapproval letter is the best tool to show a seller you are serious, fully vetted, and ready to close. We highly recommend starting with Preapproval.
What credit score do I actually need to buy a house?
The good news is that you don't need perfect credit. While Conventional Loans usually require a higher score, government-backed options like FHA and VA loans are designed for more flexible requirements. At JD Agban Group, our expertise allows us to explore options for a variety of credit profiles, including specialized programs that may consider scores as low as 500. Don't let your score stop you—let us check your options.
Do I really need a 20% down payment?
Absolutely not. The 20% down payment myth is the number one reason people delay buying. Many popular programs require much less:
FHA loans often allow you to put down as little as 3.5%.
VA and USDA loans offer 0% down payment options for eligible borrowers.
Remember, you will also need funds to cover closing costs, which are separate fees for services like appraisals, title work, and origination. We make sure these are calculated clearly up front.
How long does the mortgage process take from application to closing?
While every loan is unique, the average timeline from a fully submitted application to closing is typically 30 to 45 days. The timeline depends heavily on how quickly we can get documentation from you and how fast the underwriting process moves. Our five-step process is specifically designed to collect all necessary items early to keep the process moving as quickly and smoothly as possible.
