At Proper Lending Group, we believe the mortgage process should be clear, measured, and personal. We listen before recommending, remove unnecessary complexity, and present options that align with your goals—whether you’re buying your first home, refinancing, or expanding your real estate portfolio. With years of lending expertise and deep market insight, we offer some of the most competitive rates available, ensuring you secure the right financing without sacrificing service or integrity.
Our work is all about structuring and tailoring solutions to your unique needs. From residential mortgages and refinancing to specialized investor loans, cross-collateralization, and ground-up construction funding, we craft strategies that keep you competitive and confident—no matter the complexity of your project.
Who do we help?
We help a wide range of borrowers with different goals and situations.
We work with first-time homebuyers, repeat buyers, and anyone looking to refinance. We also support investors — whether you're buying rental properties, flipping homes, or fixing and holding for long-term growth.
We offer flexible loan options for self-employed borrowers, those with non-traditional income, and even foreign nationals looking to purchase property in the U.S. Whatever your situation, we’re here to guide you through the process with clarity and support.
What incentives are available to first-time home buyers?
First-time homebuyers may qualify for mortgage options with low down payments ranging from 1% to 5%, discounted interest rates, and a variety of down payment assistance programs available for both FHA and Conventional loans.
What types of loans are available to investors?
At Proper Lending Group, we offer a wide range of loan options designed specifically for real estate investors. These include conventional loans with competitive rates, as well as specialized loans that use bank statements or current year Profit & Loss statements instead of tax returns. For investors who prefer no-income verification, we provide loans that utilize rental income, such as Debt Service Coverage Ratio (DSCR) loans. Additionally, we offer bridge loans for short-term financing and rehab loans to help fund property renovations and improvements.