Here Are Some Loan Products We Offer

Hard Money Loans
For what?
  • Fix n Flip
  • Ground up Construction
  • Short Term Bridge Capital
Terms Up to 12 months, interest only payments (options to extend)
Rate 8.5-11.5% (2 factors that drive rate are FICO score and experience level)
LTV 75-85% LTV on purchase, up to 100% of rehab funds We lend up to 70% of ARV so if finished value of the project is high enough, we cover up to 100% of the rehab funds
States Available All 50
Minimum FICO 620
Points Charged 3-5
Documents Required
  • Completed 1003 Application (can find online)
  • Purchase Contract
  • Contractor’s Estimate/ Rehab budget
  • ARV Estimate (with 3 comps)
  • Escrow Officer’s Contact Info
  • Borrower’s Authorization (or recent credit report)
  • LLC/Corp Docs (EIN, Articles, Operating Agreement/By Laws if buying in corporate name)
  • 2 months bank statements for down payment funds
  • Drivers license
Residential Conventional/FHA/VA loan
For what?
  • Owner occupied & non owner occupied residential loan
  • Purchase/Refi/Cash out
  • Get out of hard money loan, prequal your buyers
Terms 30 year fixed
Rate 3.5-5.5% depending on bond market, product, and credit of borrower
LTV FHA up to 96.5%, VA up to 100%, Conventional primary up to 95%, Conventional investment up to 85%
States Available AZ, CA, CO, FL, IL, MD, OR, TX, WA
Minimum FICO 620
Points Charged 0-1
Documents Required
  • Completed 1003 application
  • 2 years personal tax returns
  • 2 years W2s or 1099s if applicable
  • 2 months paystubs or YTD P&L
  • 2 months bank statements
  • Drivers License
  • Social Security card
  • Purchase contract (if applicable)
  • Mtg coupon statements (if refinances)
  • Home owners insurance (if refinances)
  • Title company info (if purchase, we can open title if refi)
Commercial Conventional loan
For what?
  • Owner occupied & non owner occupied commercial loan
  • Purchase/Refi/Cash out
Terms 30 year fixed
Rate 5-6%
LTV 75%
States Available All 50
Minimum FICO 640
Points Charged 1-3
Documents Required
  • 2 years business tax returns
  • Purchase contract (if applicable)
  • 3 months business bank statements
  • Drivers license
  • Leases (if applicable)
  • Title company info (if purchase)
  • Completed commercial 1003
Quasi Hard Money/Stated Income Long Term
For what?
  • Long term residential or commercial loan with stated income
  • For investment properties that cash flow typically
Terms 3 or 8 year fixed rate, 30 year loan
Rate 7.5%-9%
LTV 75%
States Available All 50 states
Minimum FICO 650
Points Charged 2-3
Documents Required
  • Purchase contract (if applicable)
  • Leases
  • 1 month bank statement to show down payment
  • Drivers license
  • Completed 1003 Application
Residential Private Banking
For what?
  • Long term residential loan, minimum loan size $1,000,000
  • Purchase/Refi/Cash out/Construction
Terms
  • 30 year fixed
  • Interest only option
Rate 3-4%
LTV
  • P&I up to 75%
  • Interest only up to 70%
States Available All 50
Minimum FICO 680
Points Charged 1-2
Documents Required
  • Bank statements verifying $1.5M liquidity minimum
  • Minimum net worth $4M verification
  • Purchase contract (if applicable)
  • Recent credit report or authorization to pull
  • Completed 1003
  • Drivers license

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