Our Mortgage Services
Comprehensive mortgage solutions designed to fit your unique financial situation
Loan Types We Offer
From first-time buyers to seasoned investors, we have the right loan for you
Common Loan Types
Popular mortgage programs for most home purchases and refinances.
- • Conventional (Fixed or ARM)
- • FHA (Fixed or ARM)
- • VA (Fixed or ARM)
- • USDA (Rural Housing)
- • Jumbo (interest‑only options)
- • Down Payment Assistance (as low as 0% down)
Construction & Rehab
Flexible financing for building, improving, or repositioning properties.
- • One‑Time Close Construction
- • Fix‑and‑Flip / Renovation
- • Ground‑Up Construction
- • Hard Money
- • FHA 203(k)
Unique & Specialty
Special programs designed for unique scenarios and strategies.
- • Home Equity Loan (HELOAN) / HELOC (Second Mortgage)
- • Bridge Loans
- • Commercial (office, retail, industrial, etc.)
- • Multi‑Unit Properties (1–4 and 5+ Units)
- • Non‑QM (asset‑only, bank‑statement, DSCR)
- • Lot Loans
- • Manufactured Home Loans
- • Condo‑Hotels (Condotels)
- • Investment Properties
- • ITIN Loans
What Makes Beneficial Mortgage Different?
Our unique advantages that set us apart from the competition
Former Underwriter Expertise
Our team includes former UWM underwriters who know exactly what lenders are looking for, helping you prepare the strongest possible application.
CPA Financial Guidance
Get comprehensive financial advice from our CPA-licensed broker owner, helping you make informed decisions about your mortgage and overall financial strategy.
Technology-Driven Process
We leverage cutting-edge technology to streamline your mortgage process, reducing paperwork and getting you to closing faster.
Personalized Service
Every client is treated as our only client, with personalized attention and dedicated support throughout your entire mortgage journey.
Our Commitment to You
Our Streamlined Process
From application to closing, we make it simple and stress-free
Initial Consultation
We'll discuss your goals, review your financial situation, and determine the best loan option for you.
Pre-Approval
Get a solid pre-approval letter that shows sellers you're a serious buyer with financing in place.
Application & Processing
Our streamlined application process gets your loan into underwriting quickly and efficiently.
Closing
We coordinate with all parties to ensure a smooth closing experience and get you into your new home.
Required Documents
What you'll need to get started with your mortgage application
Income
- W‑2: recent pay stubs + last 2 years of W‑2s
- Self‑employed & Rental Income: recent tax returns (YTD P&L if needed)
- Other income (SSI/Disability/Retirement): award letter
Assets
- Last 2 months of bank/investment statements (all pages)
- Explain any large deposits
- Gift letter, if applicable
Misc
- Government‑issued photo ID
- Credit report (we will pull this for you)
- Purchase contract (if buying)
- Title/lender info (we'll coordinate)
Frequently Asked Questions
Get answers to common questions about our mortgage services
How long does the mortgage process take?
What credit score do I need to qualify?
How much down payment do I need?
Can I refinance my existing mortgage?
Do you work with first-time homebuyers?
Ready to Get Started?
Let our expert team help you find the perfect mortgage solution for your needs.