If you are a first-time buyer
Start with Conventional or FHA. FHA at 3.5% down is ideal when you want to own sooner with limited savings.
The Full Mortgage Lineup
From first-time purchase to investment property, from W-2 to self-employed and foreign national applicants — GMCC covers every borrower profile.
Core Products
Five Core Loan Programs
Each program is designed for a specific borrower profile. Click into a product page for full details, requirements, and process.
First-Time Buyers
Conventional / FHA / VA
Conventional fixed or adjustable rates, FHA 3.5% low down payment, and zero-down VA loans for veterans — the classic American mortgage choices.
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High-Value Buyers
Jumbo Loans
AMAZING 5/1 ARM starting at 5.375% APR, 80% LTV up to $1.5M; flagship THUNDER Jumbo extending to $10M.
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Self-Employed / Flexible
Non-QM Income Programs
No W-2 or tax return required. Qualify with assets or cash flow — purpose-built for self-employed and cash-business borrowers.
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Self-Employed Friendly
Bank Statement Loans
Apply with 12–24 months of bank statements, up to $4M loan amount, credit score 660+ — friendlier underwriting for cash businesses.
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Foreign Nationals
Foreign National Mortgages
Foreign passports and B/F/H visas qualify. We accept overseas income statements, foreign bank assets, and flexible documentation.
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Investment Property
DSCR Investment Loans
Underwritten by rental coverage of monthly debt service (DSCR) — no personal income required. Ideal for landlords and Airbnb hosts.
Ask about programs →Choose Right
How to Pick the Right Program
The simplest approach: tell us your goal and finances. We will narrow it down to the 1–2 programs that fit you best.
If you are buying a luxury or high-value home
Choose AMAZING Jumbo or THUNDER Jumbo — 20% down with a 680 credit score qualifies for up to $1.5M.
If you are self-employed or run a cash business
We recommend Bank Statement loans or Non-QM: not anchored to W-2/tax returns, so it reflects your true income capacity.
If you are a foreign national or overseas resident
Foreign National loans support foreign passports and B/F/H visas, accepting overseas bank assets and income.
If you are buying an investment property
DSCR loans are underwritten on whether rental income covers the mortgage — no personal income required, perfect for landlords and investors.
If you want to refinance
We handle Cash-Out Refinance and Rate & Term Refinance — lower your payment or release home equity to fund other goals.