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Mortgage Brokers

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We have loan options for the traditional buyers or custom solutions for those with unique financial circumstances such as non-residents or business owners. Apply today to get started!

Loan Options


ITIN (Individual Taxpayer Identification Number) loan program is designed for individuals who don't qualify for traditional loans and may not have the funds for non-QM (Non-Qualified Mortgage) loans.


We have a Non-Qualified Mortgage solutions that can be customized to fit your unique needs. Explore our range of flexible financing options designed to make your purchase goals a reality.

Traditional Mortgages

We offer a diverse range of traditional mortgage products to match your specific needs including: Conventional, FHA, VA, Refinance, Fix Rate Loans and more.

Our Mission & Values

At SLM Group, we are driven by a deep passion for the world of real estate, a commitment to financial empowerment, and a mission to be a guiding light in the homeownership journey. With a solid foundation as an MBA graduate from Johnson and Wales University, specializing in International Business, and a wealth of experience in both government banking and the loan industry, our founder embarked on a transformative journey that led to the birth of SLM Group.


We uphold the highest ethical standards in all our interactions. We are committed to honesty, fairness, and trustworthiness. Our borrowers can rely on us to provide accurate information and act in their best interests at all times.


We are dedicated professionals who excel in our field. We continuously strive to improve our knowledge and expertise to provide the best possible service to our clients. Our conduct is characterized by respect, punctuality, and a commitment to excellence.


We believe in open and clear communication. We provide our clients with all the information they need to make informed decisions about their mortgage options. We are upfront about fees, terms, and conditions, ensuring there are no hidden surprises.

Frequently Asked Questions

Paying your bills on time, reducing your credit balances, and trying to not apply for credit too often are all ways that you can raise your FICO score.

Pre-qualification is a determination of the loan amount you’re likely to receive. To obtain pre-qualification, you usually are interviewed by a licensed loan officer who determines the pre-qualification amount. On the other hand, to be pre-approved, you must submit an application and verify your credit and financial history. After you receive your pre-approval certificate, you’re in a stronger position to close earlier and negotiate a better price.

The alternative would be an adjustable-rate mortgage, in which the interest rate applied on the outstanding balance varies throughout the life of the loan.

A fixed-rate mortgage is an attractive option for borrowers who plan to stay in their home for several years. The alternative to the fixed-rate mortgage is the adjustable-rate mortgage (ARM), which features lower monthly principal and interest payments during the first few years.

ARMs are fixed and variable rate hybrids. These loans are also usually issued as an amortized loan with steady installment payments over the life of the loan. They require fixed-rate interest in the first few years of the loan followed by variable rate interest after that. Amortization schedules can be slightly more complex with these loans since rates for a portion of the loan are variable. Thus, investors can expect to have varying payment amounts rather than consistent payments as with a fixed-rate loan.

While many prefer the security of a fixed-rate loan, an ARM may be a better choice – especially if you know you’ll be moving within the next several years. As always, be sure to consider all of your options and go with the one that’s right for your financial situation..

It’s paid by homeowners who take out loans backed by the Federal Housing Administration (FHA). 1. FHA-backed lenders use MIPs to protect themselves against higher-risk borrowers who are more likely to default on loans. FHA mortgages require every borrower to have mortgage insurance

Mortgage points, or discount points, are a way to prepay interest to get a lower interest rate on your mortgage. Each mortgage point equals 1% of your home’s value. In most cases, a point can reduce your interest rate by one-eighth to one-quarter of a percent.

This is one of the most commonly asked mortgage questions, and the answer may surprise you.

If you’ve paid off all your debt—and we recommend you do before buying a home—it is possible you won’t have a credit score when you meet with a lender. That might make you nervous. But don’t worry; you can still get a mortgage.

If you apply for a mortgage without a credit score, you’ll need to go through a process called manual underwriting. Manual underwriting simply means you’ll be asked to provide additional paperwork for the underwriter to review personally. Your loan process may take a little longer, but buying a home without the strain of extra debt is worth it!

Mortgage Calculator







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

How do I Qualify for a Loan with SLM Group?

Qualifying for a mortgage loan with SLM Group involves meeting specific criteria that can vary depending on the type of mortgage you’re seeking. Here’s a general overview of the steps and factors to consider:

**1. Credit Score:** Your credit score is a significant factor in mortgage qualification. SLM Group may have minimum credit score requirements for different types of mortgages. A higher credit score typically leads to better loan terms. Ensure your credit report is accurate and work on improving your credit if needed.

**2. Income Verification:** You’ll need to provide proof of a stable source of income. This typically involves providing pay stubs, W-2s, tax returns, and bank statements. SLM Group will assess your debt-to-income ratio to ensure you can comfortably afford the mortgage payments.

**3. Down Payment:** Depending on the type of mortgage, you may need to provide a down payment. SLM Group can guide you on the specific down payment requirements for the mortgage you’re interested in.

**4. Employment History:** A stable employment history can be beneficial when applying for a mortgage. SLM Group may look for a consistent work history as part of their evaluation.

**5. Debt Obligations:** Your existing debts, including credit card balances, student loans, and car loans, will be considered in the loan approval process. Managing your debts responsibly is essential.

**6. Property Appraisal:** For home purchase loans, SLM Group will typically require an appraisal of the property to determine its value and ensure it meets their lending criteria.

**7. Loan Type:** SLM Group offers various types of mortgage loans, such as conventional, FHA, VA, and others. The specific qualifications may vary depending on the loan type. SLM Group can provide guidance on which loan type suits your needs and eligibility.

**8. Documentation:** Be prepared to provide documentation requested by SLM Group, including financial statements, tax returns, bank statements, identification, and any additional documents required for your specific loan application.

**9. Consultation:** To understand the specific qualifications and requirements for your mortgage application, it’s advisable to consult with SLM Group. They can assess your financial situation, credit, and goals to provide personalized guidance.

**10. Pre-Approval:** Before house hunting, it’s often a good idea to seek pre-approval from SLM Group. This can give you a clear understanding of your budget and show sellers that you’re a serious and qualified buyer.

**11. Professional Advice:** Consider working with a mortgage broker or loan officer at SLM Group who can provide expert guidance throughout the application process.

Keep in mind that the specific requirements can vary based on the mortgage program, your financial situation, and other factors. It’s crucial to communicate openly with SLM Group and seek their guidance to ensure a smooth mortgage application process.

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