We specialize in helping first-time buyers:

• Zero or Low Down Payment Options: Access programs like FHA, USDA, VA, and Conventional 3% down loans.

• Down Payment Assistance: Qualify for grants and programs to reduce upfront costs.

• Credit Score Support: We’ll help you understand your credit and work with you to improve it.

• Flexible Approval for: self-employed (1099) a non-W2 employee, investors, Non-US Citizen (foreign national), Work Permit holders, ..... we’ve got solutions for you.

Surprising Mortgage Facts You Might Not Know

💸 Down Payment Help Exists
Most loans allow your entire down payment to be a gift from family. Plus, thousands of down payment assistance grants are available.

📉 Lower Credit Scores Can Qualify
FHA loans may work with scores as low as 580. No credit score? Manual underwriting (using rent/utility history) is an option.

🧾 You Can Avoid Paying Closing Costs
Sellers can pay up to 3-6% of your closing costs. Or, get a lender credit for a slightly higher rate.

🌎 Special Programs for Unique Situations
Foreign nationals, ITIN holders, and asylum seekers with work authorization can often qualify for a mortgage.

🧑‍💻 Self-Employed? 1099? We Use "Net" Income
Lenders use your tax return net profit, not gross revenue. Many write-offs lower your qualifying income.

📈 Debt Rules Have Flexibility
Your DTI ratio can sometimes go above 50% with strong factors like great credit or large savings.

🎁 Gifts Don’t Need to "Season"
Gift money for your down payment doesn’t need to sit in your account for months—it just needs a paper trail and a gift letter.

👨‍👩‍👧 You Can Use a Co-Borrower Who Won’t Live There
A parent or family member can co-sign and use their income to help you qualify, without living in the home.

Predict the future by creating it

You didn’t come this far to stop

Dream Big

Many people dream of owning their own home, but the high cost of homes usually requires a mortgage to make this become a reality. Let Coast2Coast Lending help you with this very important decision. Mortgage rules are changing all the time, let our highly qualified mortgage advisors answer all of your loan questions and concerns.

We have mortgage products to fit most borrower’s needs. From perfect credit with large down payments, to weak credit with little or no money down. We are licensed in many states to assist consumers with their mortgage needs. Please contact us 7 days a week to learn more about any of the mortgage programs listed.

Make it real

Ask questions

Getting the best mortgage is about more than your credit score or down payment. It's about understanding the market, and applying to your situation. With a 20-year background in brokerage firms, I analyze the forces that drive your pricing to find a truly competitive and efficient mortgage for your specific situation.

The Right Loan Officer is Critical to Your Home Buying and Refinancing Success

Tailored Mortgage Solutions

Diverse Loan Options

Access a wide network of lenders for commercial, residential, and hard to find loans.

Personalized Solutions:

• We take the time to understand your financial goals and work with you to find the best path forward.

• We're local expertise, with wide network of lenders nationwide.

• Fast, Transparent process form application to closing.

Flexible Options:

Whether you’re dealing with a low

credit score or limited savings, we

have programs that can help.

Many buyers qualify for down payment help but don’t apply.

Expert Guidance:

Our team is here to answer your

questions, explain your options, and

support you every step of the way.

Your Goals, Our Solutions:

• First-Time Homebuyers:

  You may qualify for no or low down payment options.

  Down Payment assistance programs are available.

• Refinancing:

  Lower monthly payments, Cash-out Options, Lower our rate, and Debt consolidation

• Self-employed Mortgage?

  Yes! We got it! Are you a non-W2 worker? Are you non-US citizen (foreign national), we can work with you

We specialize in helping first-time buyers:

• Zero or Low Down Payment Options: Access programs like FHA, USDA, VA, and Conventional 3% down loans.

• Down Payment Assistance: Qualify for grants and programs to reduce upfront costs.

• Credit Score Support: We’ll help you understand your credit and work with you to improve it.

• Flexible Approval: Even if you’re self-employed or a non-W2 employee, Non-US Citizen (foreign National), we’ve got solutions for you.

Refinancing?

Refinancing could save you some money —ask us how!whether you’re buying your first home or looking to improve your current mortgage terms, we’re here to help make the process as smooth and stress-free as possible

I know the mortgage process can feel intimidating. I’m here to help guide you through it.

Whether it's commercial or residential, buying or refinancing, just reach out.

About Me:

Adam Selassie, Loan Officer

A seasoned financial professional with close to 20 years of experience in financial services and brokerage firms, I bring a comprehensive understanding of banking, investment strategies, and portfolio management to the mortgage industry. My background spans equity (stock) trading, fixed income (bonds), commodities, and foreign exchange (FX), providing a unique macroeconomic perspective that informs my approach to client guidance.

I am dedicated to translating this extensive expertise into helping individuals, families, and investors achieve their specific real estate goals. My practice is built on a foundation of a deeply client-centric philosophy.

Professional Credentials & Community Involvement

I hold an MBA and BA, along with current and past financial industry licenses. I am fully licensed as a Loan Officer in the District of Columbia, Maryland, and Virginia.

Beyond my professional life, I am passionate about cultural exploration through family travel and am actively involved in my community as a volunteer youth sports coach at the local YMCA, AND, get this .. .WE ARE A Spring 2025 Championship. Yes! we did it.

Specialized Lending Expertise

I provide expert guidance across a wide spectrum of mortgage solutions, with a specialized focus on:

• First-Time Home-buyer Programs: Demystifying the process for new buyers.

• Refinancing Strategies: Unlocking equity and improving financial terms.

• Complex Financial Profiles: Tailoring solutions for self-employed professionals and clients with non-traditional income.

• Diverse Loan Products: From conventional and government-backed loans (FHA, VA, USDA) to specialized financing for investment properties, including fix-and-flip and hard money loans.

A Differentiated Client Experience

My commitment extends beyond securing competitive rates. I believe in empowering clients through:

• Financial Education: Ensuring you understand every option.

• Customized Strategy: Developing a plan tailored to your unique financial picture.

• A Streamlined Process: Leveraging clear communication and proactive updates to eliminate stress and create a seamless, confident experience.

My entrepreneurial insight, gained from experience as a small business owner, allows me to relate to the financial realities and aspirations of my clients with genuine understanding.

Let's Connect

I welcome the opportunity first of all to learn from you, and put my expertise and dedication to work for you. Together, we can transform your home-ownership & real estate investment aspirations into reality with a process defined by professionalism, care, and results-driven service.

Yes, buying a home is widely considered one of the largest financial purchases most people will make in their lifetime. I understand that, and I am fully equipped with knowledge and skills of the industry, I take your decision very seriously, and make the right decision for you with you

• Background in Banking/Brokerage: With nearly 20 years of experience in U.S. finance, including equities, bonds, and trading, I understand the market forces that determine your mortgage rate. My background allows us to find the most efficient and competitive solution for your needs.

• Nationwide Lending Power: My partnership with Coast2Coast gives me a key advantage: access to a vast network of over 200 lenders. Instead of a one-size-fits-all approach, I can shop for a loan that truly fits your needs, ensuring the most competitive rates and flexible terms available.

• Value I Bring to You: By working with me, you’ll have a reliable resource who can secure hard to find loans to your specific situation, streamline the mortgage process, provide quick per-approvals, and ensure smooth closings. My commitment to communication and transparency means fewer surprises and more satisfaction for you.

• Licensed in Multiple States: I’m licensed to serve clients across multiple states; DC, MD, & VA. This diversified experience allows me to provide comprehensive guidance and address your specific concerns, whether you plan to remain in your home, sell it, or convert it into an investment property. My understanding of various state requirements allows me to quickly navigate rules and regulations and explain them to you clearly.

• More Than Just Loans: I don’t just find loans and close them, I build long-term relationships. My goal is to help you succeed not just in your home purchase but in your overall financial journey. Whether it’s your first home, an investment property, or a refinance, I’m here to guide you every step of the way.

What sets me apart from others in the industry?

Contact Me