Licensed Mortgage Professional

Your Loan.
Your Terms.

From first-time homebuyers to seasoned investors — I structure financing that fits your deal, not the other way around. Agency, Non-QM, and Hard Money under one roof.

50+

Lender Partners

48

States Served

24hr

Pre-Approval

Dalton Godson
Loan Products

Every Deal Has a Solution

Whether you're buying your first home, scaling a rental portfolio, or flipping properties — I have the right program for you.

🏠

Agency Loans

Government-backed and conventional financing with the best rates in the market. Ideal for primary residences and qualifying investment properties.

  • Conventional up to $766,550
  • FHA — 3.5% down, flexible credit
  • VA — $0 down for veterans
  • USDA — 100% financing in rural areas
  • Rate-and-term & cash-out refinance
📊

Non-QM Loans

Built for self-employed borrowers, investors, and anyone whose income doesn't fit a traditional box. No tax returns required on most programs.

  • DSCR — qualify on rental income
  • Bank statement — 12 or 24 months
  • Asset depletion — use liquid assets
  • Foreign national programs
  • Interest-only options available

Hard Money

Speed wins deals. Close in days, not weeks. Perfect for fix-and-flip, bridge financing, and time-sensitive acquisitions.

  • Close in as fast as 7 days
  • Fix-and-flip with rehab draws
  • Bridge loans for quick acquisitions
  • Up to 90% LTC / 75% ARV
  • No income docs required
Agency

Conventional & Government Loans

The foundation of mortgage lending. Lowest rates, highest loan limits, and programs designed for every type of homebuyer.

Conventional

Conventional / Conforming

The gold standard for borrowers with solid credit and income documentation. Best rates, lowest PMI, and flexible terms.

Min. Down
3%
Credit Score
620+
Loan Limit
$766,550
Terms
15 / 20 / 30yr
FHA

FHA Loans

More forgiving credit requirements and lower down payments. Great for first-time buyers or borrowers rebuilding credit.

Min. Down
3.5%
Credit Score
580+
DTI
Up to 56.99%
MIP
0.55% annual
VA

VA Loans

Exclusive to veterans, active-duty, and eligible surviving spouses. No down payment, no PMI, and competitive rates.

Down Payment
$0
PMI
None
Funding Fee
1.25 – 3.3%
Loan Limit
No cap*
USDA

USDA Rural Development

100% financing for eligible rural and suburban properties. Zero down payment with below-market mortgage insurance.

Down Payment
$0
Credit Score
640+
Income Limit
115% AMI
Guarantee Fee
0.35% annual
Non-QM

Built for the Self-Employed

Your tax returns don't tell the full story. These programs let your business cash flow, rental income, or assets speak for themselves.

DSCR

DSCR Investor Loans

Qualify based on the property's rental income — not your personal income. Perfect for scaling a portfolio without W-2 constraints.

Min. DSCR
0.75x
Max LTV
80%
Loan Range
$75K – $3M
Prepay
Flexible options
Bank Statement

Bank Statement Loans

Use 12 or 24 months of bank statements instead of tax returns. Designed for business owners who write off aggressively.

Statements
12 or 24 mo.
Max Loan
$3M+
Credit Score
660+
Down Payment
10%+
Asset Depletion

Asset Depletion

Retired or asset-rich? Qualify using liquid assets divided over the loan term to calculate qualifying income. No employment needed.

Assets Used
Checking, stocks, retirement
Max LTV
80%
Employment
Not required
Occupancy
Primary / 2nd home
P&L Only

Profit & Loss Statement

A CPA-prepared P&L is all you need. One of the fastest paths to approval for self-employed borrowers with strong businesses.

Documentation
CPA letter + P&L
Max Loan
$2.5M
Credit Score
660+
Self-Employed
2+ years
Hard Money

Speed Closes Deals

When timing is everything, hard money gets you to the closing table first. Asset-based lending with minimal red tape.

Fix & Flip

Fix-and-Flip Financing

Purchase + rehab in a single loan. Draws released as work completes. Built for experienced flippers and new investors alike.

LTC
Up to 90%
ARV
Up to 75%
Term
12 – 18 months
Closing
7 – 14 days
Bridge

Bridge Loans

Short-term capital to acquire, stabilize, or reposition before refinancing into permanent debt. Don't miss the deal while waiting on a bank.

Max LTV
75%
Loan Size
$100K – $5M+
Term
6 – 24 months
Income Docs
Not required
Ground Up

New Construction

Fund ground-up residential projects from land acquisition through certificate of occupancy. Structured draws keep your build on schedule.

LTC
Up to 85%
ARV
Up to 70%
Term
12 – 24 months
Experience
1+ completed project
DSCR + Hard Money

Rental Portfolio Loans

Bundle 5–20 rental properties into a single loan. Simplify your debt stack and unlock equity across your portfolio.

Properties
5 – 20 units
Max Loan
$5M+
Min. DSCR
1.0x
Rate Type
Fixed 30yr
The Difference

Why Work With Me

I'm not a call center. I'm your direct line to getting funded.

🎯

One Point of Contact

You talk to me — start to finish. No getting bounced between departments or chasing down a processor you've never met.

Speed to Close

I pre-underwrite your file before submission. When it hits the desk, it's clean. That means faster approvals and fewer conditions.

🔑

Access to Capital

50+ wholesale lender relationships means I shop your deal across the market. You get the best rate and terms — not whatever one bank offers.

Ready to Talk Numbers?

Whether you have a deal on the table or just want to know what you qualify for — let's connect.

📞 Call (760) 802-5495 ✉ team@daltongodson.com