Hard money real estate lending

We have consistently received praise from our borrowers who emphasize our quick, hassle-free closings, favorable terms, and creative financing solutions.

Local

  • We understand your local real estate conditions.
  • We use local appraisers, title agents and closing attorneys.

Direct lender

  • We use our in-house money to fund your loans
  • We directly control our approvals and closings

fast and reliable

  • Preliminary approval in 24 hours
  • Close in 7 to 10 days

efficienct draw process

  • We help create and approve your draw schedule
  • We use local inspectors to assess your progress
  • We quickly release your funds when an inspection is approved

Email Or Call today for a quick consulatation

Email today (707) 273-6121

lOAN pROGRAMS

HARD
MONEY
12-MONTH BANK STATEMENT
FOREIGN NATIONAL
INVESTOR CASH FLOW
Qualify Full Doc

hARD MONEY LENDING

A Hard Money Loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies specializing in the service. We are a direct lender backed by private and institutional funds. Easy guidelines, and qualify based on equity in your home. We lend on Residential and commercial properties. Fast approval and quick funding. Hard Money with rates starting at 10%. No Prepay Penalty.

  • Equity Driven Loan 65% LTV
  • No Fico Score
  • No Appraisal Needed
  • Investment Properties/Nonowner Occupied
  • No Prepay 2/4 Points
  • 10 Percent

12-MONTH BANK STATEMENT

  • Qualify with 100% on Personal Account Deposits and50% on Business Account Deposits
  • Self-Employed and 1099 Borrowers
  • Up to $4M Loan Amounts
  • 600 or greater credit scores
  • Up to 90% Max LTV
  • No reserves required ≤ 75% LTV
  • No 4506T / No K1's / No P&L's
  • No MI

FOREIGN NATIONAL

Letter of good standing with current financialinstitution or international credit report

  • 1 to 4-unit properties
  • Non-Owner Occupied only - Condotels/Pudtels Allowed
  • Loan amounts up to $2M
  • 5уг/7уг ARM & 30-year Fixed
  • No income, job, or credit required
  • 70% Max LTV Purchase - 65% Max LTV Refinance
  • No reserves required

INVESTOR CASH FLOW

Available on SFRs, 2-4 Units, Condos, Townhomes, Condotels, and Non-Warrantable Condos

  • Loan amounts up to $2M
  • 30-year Fixed with 3 year pre-pay
  • Non-Owner Occupied only
  • Reconciled rent estimate based on 1007 or lease agreement
  • 575 minimum FICO
  • LPC & Borrower Paid Comp Available (or a combinationof the two up to 3 points)
  • ITIN Individual Taxpayer Identification Number

  • No income or job verification

Qualify Full Doc

Qualify Full Doc or 12-Month Bank Statement for SE, DSCR

  • No reserves required
  • 2-year income history
  • Valid U.S. government issued ID
  • 80% Max LTV Purchase - 75% Max LTV Refinance

Contact us today