Fetti Financial Services
We Do Money…
Fetti Financial Services
We Do Money…
We DO Money!
Self-employed, commissioned, investing, or buying your first place — if your income doesn't fit a template, that's exactly what we're built for. Home, investment and business loans, with down payment assistance for buyers who qualify. Start in two minutes. No credit impact.
The Fetti advantage
Most lending starts with a template and asks you to match it. We start with how you actually earn, then match a program to that.
Licensed · Regulated · Real
Fully licensed and regulated — and built for the way you actually earn. Start in two minutes, no credit impact.
Lending programs
Tap any program to see details. Every page leads straight to a fast pre-qualification.
Buy or refinance the home you live in. Conventional, FHA & VA.
Financing engineered for serious real-estate investors.
Capital to start, run, and scale your business.
How these loans actually get underwritten — what moves the numbers, and what to have ready.
Qualify on your rental property's cash flow. Not your personal income or tax returns.
Read the guide →Qualify on your rental property's cash flow. Not your personal income or tax returns.
Read the guide →Short-term capital to bridge between deals or buy before you sell.
Read the guide →Financing for owner-user and investment commercial properties.
Read the guide →Built for how you actually earn
First-time or move-up. We make the biggest purchase of your life feel handled.
DSCR, flips, bridge, BRRRR. Financing built to scale a portfolio, not slow it down.
Bank statements over tax returns. We speak entrepreneur because we are one.
Working capital, CRE, SBA. Capital to start, run, and grow.
We've spent years helping build and scale companies. From a billion-dollar energy enterprise to businesses that went public. In some of the most heavily-regulated industries around. The lesson that stuck: do right by people, and do it by the book. So compliance and discipline aren't talking points here. They're just how we work.
And having been on both sides. The entrepreneur chasing the next deal and the everyday grind toward a home. We get what you actually need: straight answers, real speed, and no games.
Decades of combined experience. One standard: do it right.
How it works
Two-minute pre-qualification. Purchase, refinance, investment, or business. No credit pull to start.
A real loan expert reviews your scenario and maps the path — including the ones that take more than a template.
We move fast, keep you updated at every step, and get you to the closing table.
Why Fetti
Institutional-grade programs, operator-grade discipline, and a team that actually picks up the phone. We carry the load — structuring, funding, and guiding — so you get your loan done, closed fast, without the stress.
Start my applicationShaped by years in heavily-regulated industries. We do it right. Every file, every time.
Bridge and hard-money options close in days. Pre-qualification takes minutes.
Your scenario is the starting point, and our job is finding the program that fits it.
Built by people who've been the operator and the everyday grinder. We respect what you need.
Straight answers
We're built for the way people actually earn (NMLS #2267023) — first-time buyers, self-employed, commissioned, investors, and income that does not arrive on two W-2s. We have programs that qualify you on bank deposits, on a property's rent, or on a full-doc file, and we start from your scenario rather than asking you to fit one. All loans are subject to credit approval and program guidelines.
Yes — for a lot of buyers, that's the easiest part to solve. Between FHA (3.5% down), VA and USDA ($0 down if you're eligible), and down payment assistance programs from state, county, and national sources, we can often cover most or all of your down payment and closing costs. Eligibility and terms vary by program — we'll show you exactly what you qualify for in a 2-minute chat, no credit impact.
No. Pre-qualifying takes about two minutes with no hard credit pull. We only move forward when you're ready.
It depends on the loan, but we move fast. Bridge and hard-money options can close in days, and we keep you posted at every step. All loans are subject to credit approval and program guidelines.
Investment and business-purpose loans — DSCR, fix & flip, bridge, hard money, and business loans — are available nationwide, in all 50 states. Owner-occupied home loans are available in Florida, Michigan, and California. Not sure we cover your scenario? Start in two minutes and we'll tell you exactly what we can do.
Just a couple minutes and a few basics about your goal. No documents required to pre-qualify. A specialist tells you exactly what's needed for your scenario.
100%. Pre-qualifying costs nothing, doesn't impact your credit, and comes with zero pressure. Wise money moves only. 🦉
You start; we take it from there. A specialist reaches out fast and handles the rest. No pressure, no credit impact to start.
