FULL DOCUMENTATION PROGRAM:

Ideal for borrowers:

- Can prove their income through tax returns, personal and/or business accounts

- Seeking maximum loan to value from 90% - 97%

- Minimum FICO score: 575

- Does not want the hassles of dealing with stringent traditional bank guidelines

- Amortization periods from 15, 20 and 30 years

- Choices of Fixed or Adjustable rates

STATED INCOME / STATED ASSETS PROGRAM:

Ideal for borrowers:

- Maximum loan to value up to 85%

- No income verification

- Unable to secure traditional bank financing.

- Minimum FICO score: 600

- Amortization periods from 15, 20 and 30 years

- Choices of Fixed or Adjustable rates

- Choices of Fixed or Adjustable rates

HARD MONEY

Ideal for borrowers:

- Underwritten based off the equity in your property

- Not credit score driven

- No tax returns or financial statements required

- Typically closes in 2 weeks or less

- Loan to value up to 75%

** CREDIT GRADE

A                     680+

A –                  640 – 679

B                      575 – 639

TIER 1 PROPERTY TYPES:

Examples: Multifamily (5 units or more) and Mixed Use

- 90% financing (A) and up to 97% (Owner Occupied)
- 85% financing (A-)
- 75% financing (B) and up to 80% (Owner Occupied)

TIER 2 PROPERTY TYPES:

Examples: Bed & Breakfast, Light Industrial, Automotive, Office, Retail, Self Storage, Warehouse, and Mobile Home Park.

- 80% financing (A)
- 75% financing (A-)
- 70% financing (B) 

TIER 3 PROPERTY TYPES:
Examples: Funeral Home, Industrial, and Rooming House.

- 80% financing (A)
- 75% financing (A-)
- 70% financing (B)

TIER 4 PROPERTY TYPES:
Examples: Day Care, Health Care, Gas Station, Assisted Living Facility, and Restaurant.

- 75% financing (A)
- 70% financing (A-)
- 65% financing (B)

** Disclaimer: The matrix above is an illustration; The terms and conditions may not be available at the time of submission or change at the lenders discretion.

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