We look at ourselves as part of your team. We are a partner in your real estate investment business. Lending decisions are based on a combination of the borrower and the property. Whether your looking to purchase a property to renovate and resell, a buy & hold property to expand your rental portfolio, or refinance an existing property you currently own, we have programs to fit your investment needs.

Step 1: Contact us to discuss

You can email or call us with the details of your property. We will discuss your situation one on one. Every transaction and situation is unique and we use common sense underwriting to look at the entire picture to make our decision. You can also click apply online to send info on your lending needs and we will call you once it is received.

Step 2: Complete Application Process

After discussing your situation the physical application package will need to be completed and returned with required paperwork and signatures. This is a minimal amount of paperwork compared to what would be required in a traditional bank lending product. Term sheets are issued once all information required has been received. We do not charge any upfront application or processing fees as some lenders do. We use a software that can allow you to upload most documents straight from your phone to simplify the process when you are out in the field. 

Step 3: Loan Processed & Underwritten

Once upfront documentation is received the loan is then processed which includes an Appraisal which is ordered to verify the property is satisfactory collateral for the loan. Title work is also ordered to verify that clear title can be obtained for your protection as well as the lenders. Credit reports and background checks are performed on all borrowers even if ownership will be in an Entity.  These items often are costs to borrower prior to loan closing but are paid direct to vendor by the borrower. Loan processing time frames will vary based on the speed of borrower responses and 3rd party vendors completing necessary requirements to move to funding of the loan.

Step 4: Loan Funded

Once all items are received and loan receives final approval funding typically occurs within 3 business days from that point depending on which State the property is located in.