Our sole purpose is to fund loans. More specifically, we exist to fill the gap where lending restraints have left many qualified applicants without access to funding. Our custom oriented underwriting approach allows us to not only focus on the numbers but on the entire applicant situation in order to provide an innovative financing structure that meets their needs. We get the job done in days!
• Lot/Land Zoned For Single Family Residence
• Lot/Land Zoned For Duplex
• Lot/Land Zoned For Triplex
• Lot/Land Zoned For Four Plex
• Lot/Land With Mobile Home
• Lot/Land With Modular/Manufactured Home
• Lot/Land Zoned For Multifamily
• Lot/Land Zoned Commercial
• Lot/Land For Condo Development
• Condo
• Land With Ranch Property
• Land With Farm Property
• Land Large Acreage (Any Size Under 99 Acres)
• Land Large Acreage (Any Size 100-199 Acres)
• Land Large Acreage (Any Size 200-299 Acres)
• Land Large Acreage (Any Size Over 300 Acres, Max 999 Acres)
• Land Agricultural Use
• Raw Land Rural
• Raw Land Urban
• Land With Red Tag Property or Multiple
• Land For Camps Or Recreational Uset
• Land With Multiple Properties
• Owner, Non Owner Occupied or Investment
• Sole Proprietorship, LLC or Corporation
• Foreign Nationals
• Visa, Green Card, or None
• Borrowers in Bankruptcy
• Borrowers in Foreclosure or Bailouts
• Owned by Sole Proprietorship, LLC or Corporation
• Borrowers in Probate/Trust
• Trust, Living Trust, Non Revoke
• Attorney in Fact
Eligible Property Types
Eligible Types of Borrowers
Eligible Types of Loans
Land Loan Programs
- We are the direct lender
- Low Rates High Loan to Values
- In-House funds & docs
- Exclusive niche programs
- Make-sense underwriting
- All Property Types Allowed
- Aggressive Program Pricing
- Online Submit - All Programs
- Stated Income No Doc No Fico
• Owner User, Non Owner Occupied or Investment
• Purchase Money
• Refinance
• Cash out (No Cap)
• Property Listed for Sale
• Foreclosure/Bankruptcy Bailouts
• Mezzanine Debt/2nd- Purchase
• Properties in Probate/Trust
• Mezzanine Debt/2nd- Refinance/Cash Out
• Purchase Plus Construction
• Purchase Plus Rehab
• Refinance Cash Out Plus Construction
• Refinance Cash Out Plus Rehab
Private Money Program- Asset Based Lending
• LTV (Loan to Value) up to 65% (70% ltv case-by-case)
• Loan Term: 1, 2 or 3 Year Term
• Interest Only or Amortized Over 30 or 40 Years
• Interest Rates: 9.99% to 11.99% Risk Base Pricing, Interest Only Option
• No Prepay Penalties
• Cross Collateralize for Maximum Loan Amounts
• Not Fico Based, Bad Fico or No Fico OK
• All Septic/Water/Well Conditions Allowed
• All Locations Allowed
• All Topography Allowed
• No Upfront Fees Ever!
• Low Pricing Available/Risk-Based Pricing
• Stated Income/Siva/No Doc
• After Construction Value Allowed/Future Value OK/No Reserves Needed
• No title seasoning/Next Day Value Ok/Non Recourse Option
• BK Chapter 7,11,13 OK/Debtor in Possession Program
• No Net Worth or Liquidity Requirements
• No Appraisal Needed Program Old Appraisal Ok Desk Review
• No Min or Max Loan Amounts
• Close Loan in 7 Days
Bridge Money Program- Asset Based Lending
• LTV (Loan to Value) up to 65%
• Loan Term: 6 months or 1 Year
• Interest Only Option
• Interest Rates: 10.75% to 12.50% Risk Based
• No Pre-Payment Penalty
• Cross Collateralize for Maximum Loan Amount
• Low Point Options Low Fees
• No Doc, Stated Program
• No Upfront Fees Ever!
• Not Fico Based, No Fico, No Citizenship Needed, TIN OK
• Appraisals Need To Be Approved, Desk or Field Review Needed
• No Reserves Needed No Cltv Option
• No Title Seasoning Needed
• No BK or Foreclosures Last 12 Months
• Down Payment No Seasoning or Gift OK No Liquidity Requirements
• Close Loan 5-7 Days
Construction Private Money Program- Asset Based Lending
• LTV up to 60% After Construction Completion Value (ACV)
• Loan Term: 6 months or 1 Year
• Interest Only Option
• Interest Rates: 9.99% to 12.99% Risk Based
• No Pre-Payment Penalty
• Cross Collateralize for Maximum Loan Amounts
• All Programs: Constr 1,2 or 3 Focus On The Property Strength
• Program Constr-1: Area A 60% Max Ltv ACV Purchase, 60% Max Ltv ACV Refinance ( Area A example: San Francisco, Santa Monica etc.)
• Program Constr-2: Area B 60% Max Ltv ACV Purchase, 55% Max Ltv ACV Refinance ( Area B example: Oakland, Los Angeles City etc.)
• Program Constr-3: Area C 55% Max Ltv ACV Purchase, 50% Max Ltv ACV Refinance ( Area C example: Rural, Urban, Other etc.)
• Budget must be validated
• No Doc, Stated Program
• No Upfront Fees Ever!
• Not Fico Based
• Appraisals Need To Be Approved, Desk or Field Review Needed
• Light Reserves Needed
• No Title Seasoning Needed
• No BK or Foreclosures 2 Years
• Light Liquidity Requirements
• Close Loan 7-10 Days
USDA Loan- Government Backed Programs
• For USDA Loans or To Keep Business In-House We Offer Traditional Conventional FInancing in our Traditional Loans Department
• Close Loans 40-45 Days, Wholesale Pricing Available
• Same Loans And Pricing As Market Rates Offered Accordingly