Our Terms

The Loan Process:

In order to proceed with the loan application process, we would like to provide you with some necessary information. If you have any questions or concerns, they will be addressed during the course of the loan process. It is crucial that you carefully review the loan terms and make sure that you fully comprehend the key terms before accepting them.

Our company offers a streamlined application process for loans wherein we ensure that we provide you with a decision within 24 hours, once approved. The disbursement of funds will take place in your account within 24 hours of the approval of your loan. During a brief 5-minute phone call, you can inform us about your loan request and deals. We will assist you in identifying the most suitable loan options and the required documentation. Subsequently, you will have the discretion to choose the loan option that best suits your requirements, following which we will promptly process your application. Approval is guaranteed within a period of 24 hours.

DOCUMENTATION REQUIRED:

As for the required documentation, it is necessary for you to complete the application form, which includes your personal and loan information. This will enable us to provide you with a comprehensive loan approval letter. Once we have received the requirements outlined below, we will proceed with the subsequent stages of processing and approval.

Required Documents for Loan Application:

1. . Loan application.
2. . Bank statement of the previous 3 months.
3. . Photo selfie.
4. . Scanned copy of any government-issued identification card (front and back).
5. . Scanned copy of a recent utility bill carrying your residential address.
6. . Documents related to the purpose of the loan.
7. . Photos and address of the property (Real estate loan only).

LOAN TERMS

This is to inform all prospective borrower's that before they will be qualified in getting a loan from us, they will have to agree with the terms below:

Loan Details:

• Loan Amounts: $50K - $25 Million+
• Interest Rates: Flexible interest rate starting from 6% to 10% annual interest rate depending on the loan programs.
• Origination Fees: 2% to 5% depending on the loan programs.
• Lending Programs: All types of real estate loans.
• Pre-payment Penalty: None.
• Collateral Types: All Residential Property, Commercial Property Types, including Specialty Uses and Land.
• Payment Structure: Amortization up to 30 years, Interest Only 1 to 2 years, available to choose by the borrower.
• Term: Short & long term program tailored to fit different loan scenarios (6 months to 30 years) with a two-month grace period before making the first repayment of the loan.
• Recourse: Recourse and non-recourse are available for borrowers.
• Typical Closing Time: 7 Days.
• Fastest Closing Time: 3 Days.
• Will Lend to All States: Yes.
• Will Lend to a Foreign National: Yes, we will lend to foreign nationals at reduced LTV.
• Minimum Credit Score Required: 500+

Maximum Leverage:

• Purchase Long-Term:
  • Max LTP Residential: 90%
  • Max LTP Multifamily: 90%
  • Max LTP Commercial: 90%
• Purchase Short-Term:
  • Max LTP Residential: 90%
  • Max LTP Multifamily: 90%
  • Max LTP Commercial: 90%
• Refinance Short-Term (No Cash Out):
  • Max LTV Residential: 85%
  • Max LTV Multifamily: 85%
  • Max LTV Commercial: 85%
• Refinance & Cash Out Short-Terms:
  • Max LTV Residential: 80%
  • Max LTV Multifamily: 80%
  • Max LTV Commercial: 85%
• Refinance Long-Terms:
  • Max LTV Residential: 85%
  • Max LTV Multifamily: 85%
  • Max LTV Commercial: 85%
• Residential Fix & Flip:
  • Max LTP: 100%
  • Max LTC: 100%
  • Max LTARV: 70%
• Residential Rehab & Hold:
  • Max LTP: 100%
  • Max LTC: 100%
  • Max LTARV: 70%
• Multifamily Construction:
  • Max LTC: 100%
  • Max LTCV: 65%
• Residential Construction:
  • Max LTC: 100%
  • Max LTCV: 65%
• Multifamily Value-Add:
  • Max LTP: 100%
  • Max LTC: 100%
  • Max LTARV: 70%

Additional Information:
We provide a range of financing options, spanning from 90% to 100% of the necessary amount. The loan program is designed to offer flexibility, enabling the borrower to utilize the funds for a range of purposes. Our loan application procedure has no impact on the borrower's credit score, and prompt repayments can potentially improve the borrower's credit score, thus enhancing their creditworthiness.

Loan Policies:

• How to Apply for a Loan: Any individual interested in obtaining a loan must submit a formal request using the loan application form provided by us. The approval or rejection of the application will typically be communicated within 2 days. If approved, an official approval letter will be issued, and the applicant will be expected to sign it. If denied, an explanation will be provided in writing.
• Basis for Loan Approval: Typically, a loan application that meets the criteria outlined in these terms will be approved. However, we may consider any reasonable factors deemed relevant. Applicants who have defaulted on a previous loan or had a loan classified as a deemed distribution due to late repayment will be ineligible for a new loan.
• Confidentiality of Client Data: Clients are guaranteed confidentiality of their data, which will only be used for the purpose of the loan and not transferred to any third party.
• Right to Ask for Updates: Clients have the right to request updates about the repayment amount. Lenders have the right to request updates for any application exceeding a month.

If you agree to the terms, kindly request a loan application form to begin processing your loan. Thank you and best regards. We look forward to helping you realize your dreams.