Alisha Penn, Senior Mortgage Loan Advisor for Government & Non-QM Loans.
Hi, I'm Alisha — a Senior Loan Advisor with over a decade of experience helping families finance their first home, refinance smarter, and unlock options most lenders overlook. Specialist in FHA, VA and USDA government loans, Non-QM bank-statement and DSCR loans, and jumbo financing for self-employed borrowers and real estate investors nationwide.
A loan program for every story.
Hover any card — or tap on mobile — to see what's possible.
FHA · VA · USDAGovernment Loans
Government Loans
FHA, VA, and USDA home loan programs designed for low down payments and flexible credit guidelines — ideal for first-time buyers, veterans, and rural homeowners.
- As little as 0% down for eligible VA & USDA borrowers
- FHA credit guidelines from 580 (program dependent)
- Guidance from a specialist who knows government programs cold
Self-employed friendlyNon-QM Lending
Non-QM Lending
Bank statement, DSCR, asset-utilization, P&L, and ITIN loan programs built for self-employed borrowers, 1099 earners, real estate investors, and complex income profiles.
- Alternative documentation — no tax returns required on qualifying programs
- 12 & 24 month bank-statement loan options
- Flexible qualification for entrepreneurs & investors
Purchase financingPurchase Loans
Purchase Loans
From your first conversation to keys in hand — conventional, jumbo, FHA and VA purchase financing with clear communication at every step.
- Same-day callbacks — always
- Clear guidance on rate-lock and float-down options*
- Focused, hands-on support through closing
Rate & term · Cash-outRefinance & Cash-Out
Refinance & Cash-Out
Rate-and-term or cash-out refinance to lower your rate, shorten your term, consolidate debt, or reinvest home equity. We model the breakeven before you commit.
- Complimentary breakeven analysis
- Tap equity for renovations, debt consolidation, or investment
- Honest math — zero pressure
DPA programsFirst-Time Buyers
First-Time Buyers
Step-by-step guidance through the home buying process, down payment assistance program options, homebuyer education, and no-pressure planning.
- Access to down payment assistance programs*
- First-time homebuyer education in plain English
- Support from application to closing day
DSCR · PortfolioInvestor Financing
Investor Financing
Grow your rental portfolio with DSCR investor loans qualified on the property's rental cash flow — no personal income documentation required on eligible programs.
- Qualify on projected rental income (DSCR)
- Programs supporting multiple financed properties*
- LLC and entity vesting welcome on eligible programs
A decade of opening doors — literally.
For over 10 years, I've helped families navigate the most important financial decision of their lives. I built my career on the loans others overlook — government programs that make homeownership reachable, and Non-QM products that get self-employed borrowers, investors, and complex profiles to the closing table.
My promise is simple: clear answers, honest math, and a phone that picks up.
"Alisha got us approved when two other lenders said no. She knows Non-QM cold."
Four steps. Zero guessing.
Say hello
Book a 20-minute discovery call or chat. No credit pull, no pressure.
Get a plan
We review your goals and map the right loan program — FHA, VA, USDA, conventional, jumbo or Non-QM — with clear numbers.
Get connected
Once you're ready, I connect you with a licensed mortgage loan originator on our team to complete your application.
Close & celebrate
I stay by your side through underwriting to closing day — clear communication, no surprises.
See what your payment could look like.
Adjust price, down payment, term, and rate — your estimated monthly principal & interest updates instantly.
For illustration only. Payment shown is estimated principal and interest and does not include taxes, homeowners insurance, HOA dues, or mortgage insurance. This is not a loan estimate, quote, or commitment to lend. Actual rates, terms, and payments depend on credit, program, and property qualification.
Get a real quoteTrust, earned one closing at a time.
"Alisha treated our family like her own. She made the VA loan process painless from start to finish."
"Self-employed for 12 years — three banks turned me down. Alisha guided me to a bank-statement Non-QM program that worked for my income."
"She returned every text, every call. That's rare. Her guidance made our refinance feel effortless."
Testimonials reflect individual client experiences and are not a guarantee of future results. Loan approval, program eligibility, rates, and timelines vary by borrower, property, and market conditions.
Let's get you home.
Book a free 20-minute consultation. We'll talk goals, run real numbers, and map your path — no obligation.