Simply provide us with some fundamental information, once we go over it you will receive a quote and term sheet with all costs incurred for the loan making you prequalified

You provide the necessary information, and we handle the appraisal and address any title-related issues.

Assuming the appraisal and title report are favorable, you can finalize the deal within seven business days*.

Yes, you can. In most cases, we are more concerned with the contents of your credit report than solely your credit score. We have assisted borrowers with FICO scores as low as 580 in the past. However this is on a case by case basis depending on the Asset/deal in question. Here's a general guideline: if you've had a recent lien, judgment, bankruptcy, short sale, or foreclosure within the last 24 months, it may affect our ability to secure funding. Nevertheless, we may still be able to provide funding through a portfolio loan ( low leverage loan). It's important to note that this option may come with higher costs, and you will be required to provide a comprehensive explanation of your circumstances.

No, we cannot. Private loans are intended for business purposes. It is legally prohibited for us to offer loans for personal, homeowner-occupied properties. But we can always refer you to a trusted mortgage banker that specializes in owner occupied properties.

Indeed, you will be required to submit bank statements (business or personal) demonstrating your available capital, depending on the deal we will ask for a personal financial statement (PFS) / Bio. We will never ask for your tax returns, as we provide asset based loans

Typically, there is no prepayment penalty for repaying the loan before its scheduled maturity date.

Yes, we actively do a lot of deals with brokers and realtors. Allowing them to expand their earning potential and tap into products they need to get their client to the closing table.

We focus on many different property types such as 1-4 unit residential and multifamily. We evaluate and underwrite loans for landlords & developers, including anything from single-family, multi-family properties to special purpose properties.

First we would run your credit and get an application filled out, order the appraisal and title and at the same time ask that you send us over the required documents needed to proceed with the loan process.

Only for our DSCR Rental loans. We have Full Amortization options for 30 year fixed loans and ARM’s

Yes we can roll in points into the loan. We believe in making the borrowing process as easy as possible. However the rate will increase- The additional closing costs will have to be paid at closing

As part of our standard procedure, we conduct a title search to ensure a clear and marketable title before approving the loan. This safeguards our investment and also serves to protect you, the borrower. We recommend reaching out to a local, investor-friendly title company or title attorney who can furnish you with a list of fees associated with the title search process.

Absolutely. We recognize that unforeseen circumstances can impact the progress of a deal. However, it's important to note that there is typically a fee involved with a loan extension

If the property in question is your primary residence, the answer is "No." Similarly, if it's an investment property, the answer is also likely to be "No," unless you possess a substantial amount of equity in that property or another investment property. Then we can do a foreclosure bailout investment bridge loan. However, We can provide assistance with arranging a short sale for the property. Whether it is a personal home or investment property instead of letting it fall into forclosure.