Home loans, struck
Hi, I'm Ty — a Loan Associate at Bolt Home Loans serving Detroit and the rest of the country. I move fast, talk plainly, and fight for tough files. Specialist in first-time buyers, government loans, and Non-QM.
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 programs with low down payments, flexible credit, and competitive rates.
- As little as 0% down (VA/USDA)
- Credit scores from 580
- I know the guidelines cold
Self-employed friendlyNon-QM Lending
Non-QM Lending
Bank statement, DSCR, asset-based, and ITIN loans for self-employed, investors, and complex profiles.
- No tax returns required
- 12 & 24 month bank statement options
- Closings in as little as 21 days
Pre-approval in 24 hrsPurchase Loans
Purchase Loans
From pre-approval to keys in hand. I move fast, communicate clearly, and protect your closing date.
- Same-day callbacks, always
- Locked rates with float-down options
- On-time close mindset
Rate & term · Cash-outRefinance & Cash-Out
Refinance & Cash-Out
Lower your rate, shorten your term, or pull equity to reinvest. I'll model the breakeven before you commit.
- Free breakeven analysis
- Tap equity for renovations or debt
- Honest math — no pressure
DPA programsFirst-Time Buyers
First-Time Buyers
Step-by-step guidance, down payment assistance programs, and zero pressure.
- Down payment help — up to $25k
- Buyer education in plain English
- A hand to hold from app to keys
DSCR · PortfolioInvestor Financing
Investor Financing
Build your portfolio with DSCR loans qualified on the property's cash flow — not your tax returns.
- Qualify on rental income
- Unlimited financed properties
- LLC and entity vesting welcome
Detroit roots. Bolt-fast closings.
I'm Ty Paris — a Loan Associate at Bolt Home Loans, based in Detroit and licensed to help borrowers nationwide. I work with first-time buyers, government loan clients, and Non-QM borrowers whose files don't fit the cookie-cutter banks.
My promise is simple: clear answers, honest math, and a phone that actually picks up.
"Ty answered every question and got us to the closing table when we thought we'd been turned down for good."
Four steps. Zero guessing.
Say hello
Call or text. No credit pull, no pressure — just a real conversation.
Get a plan
I match you to the right program with real numbers and a clear timeline.
Apply with ease
Secure digital app. Pre-approval in 24 hours, most days.
Close & celebrate
I shepherd every file from underwriting to keys — no surprises.
See what your payment could look like.
Adjust price, down payment, term, and rate — your estimated monthly principal & interest updates instantly.
Estimates only — taxes, insurance, and PMI not included. Let's run real numbers together.
Get a real quoteTrust, earned one closing at a time.
"Ty got us approved when two other lenders said no. He treated our family like his own."
"Self-employed for 12 years — three banks turned me down. Ty closed me in 21 days on a bank-statement loan."
"He returned every text, every call. That's rare. We refinanced and saved $480/month."
Let's get you home.
Call or text — I'll pick up. We'll talk goals, run real numbers, and map your path. No credit pull, no pressure.