residential

Home Equity Line of Credit (HELOC)

Stated Income-Verified Assets (SIVA)

Must provide proof of at least 12 months of PITIA reserves and a borrower addressed VOD.

  • Owner-Occupied, Non-Owner Occupied and Second Homes, SFR’s, 2-4’s and Condos.
  • 600+ FICO needed. BK and Lates OK after 2 years seasoning.
  • Loan amounts from $150,000 – $5,500,000.
  • Up to 60% LTV to $1,000,000 loans outstanding (including new HELOC)
  • Up to 50% LTV to $5,500,000.
  • 1 floating over WSJ Prime in 1st position.
  • 2 floating over WSJ Prime in 2nd position or paying off liens.
  • 10 year draw period, 20 year amortization.
  • Available only in: The NYC boroughs, CA (SF Bay Area, San Joaquin, Sacramento Counties and Southern CA) Las Vegas, King County WA, Atlanta GA and Boston MA.
  • Fees: Negotiable

No Income

Verified Asset (NIVA) Loan

  • Investment and Owner-Occupied Properties.
  • 680 mid FICO, SFR’s, 1-4’s, Condos and PUD’s
  • 15 year fixed, 3, 5 or 7/1 ARMs
  • Purchase: 70% LTV to 2M, up to 100% of the down can be gifted
  • Refinance: 65% LTV to 2M
  • Cash out: 60% to 1M, 50% LTV to 5M.
  • Reserves as low as 6 months. No CPA Letter needed with 18+ months reserves.
  • New on the Job or Business OK.
  • Employer and income to be left blank on application with 18+ months reserves.
  • Less than 30 days to close.
  • No maximum number of properties financed or owned.
  • No maximum acreage on non-agricultural properties.
  • Foreign national ok, no Social Security or US status needed
  • Available: CA, NV, WA, TX, GA, IL, MA, MD, NJ and NY.
  • Fees: Negotiable

Light Documentation

For Business Owners or Employees.

Qualifying: The qualifying income with a 45% DTI based on debts on the credit report and with the new mortgage. Proof of 6 months PITIA reserves for the subject property seasoned in the bank for 60 days on Owner Occupied and 12 months reserves on all debt on Non-Owner properties.

  • Self-Employed for the last 2 years: Last year taxes are required or last 24 months bank statements averaged.
  • Employees: No Taxes, only w2’s and paystubs for Primary Residence.
  • 3, 5, 7 and 10/1 ARM’s, 15 and 30 year fixed.
  • Owner-Occupied, 2nd homes and Investment properties, SFR’s and 1-4’s.
  • LTV up to 80% for a purchase, Gift funds allowed.
  • 70% rate and term or cash-out refinance.
  • Minimum FICO 620.
  • Available: Nationwide.
  • Fees: Negotiable.

Private Money

Private Party/private money Loans for Owner and Non-Owner Occupied properties.

  • Commercial and Residential Loans for purchase or refinance up to 80% LTV.
  • Terms: 1, 2, 3, 4 or 5 year loans amortized for 30 or 40 years.
  • NO minimum FICO score required.
  • Choose a pre-pay period.
  • 10 day close of escrow in CA.
  • Investor Loans, REO financing, Interest only available.
  • Any amount of properties allowed.
  • Interest reserve options.
  • Unlimited cash out.
  • Bankruptcy/Foreclosure rescue OK.
  • No title seasoning required.
  • Available: Nationwide.
  • Fees: Negotiable

The information furnished here is preliminary. This is not an offer nor a commitment to lend and shall not be construed as such. Rates, terms, loan products and loan conditions may be changed without notice. All private money loans offered in accordance with and compliance with the applicable regulatory agency. ​We act as neither a broker nor a lender and in the following capacities: An Advertiser, an Advisor or Consultant whether representing the sponsor(s), principal(s), lender(s) and/or investor(s) and at times we will refer requests to the appropriate source(s) and are compensated by them. Stated income loans are provided to and conform with applicable state laws regarding commercial lending transactions expressly for business purposes. All loan transactions are subject to the submission of a formal application, appraisal, underwriting, and final written lender/investor approval. Loan approval terms may vary by asset type and borrower credit worthiness. Insurance acceptable to the lender on the subject property is required to be maintained on the subject property for the duration of the loan.