Mortgage programs
Unique loans for unique borrowers
Every borrower that steps into your office has a unique vision – and a unique set of circumstances that have led them to you. Our wide range of alternative, asset‑based mortgage programs allow brokers to service the needs of tough-to-qualify real estate investors, including W-2 employees, self-employed entrepreneurs and small business owners.
Here’s a summary of the residential investment and commercial mortgage programs we offer.
Long-term loan programs
Designed for investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan
for up to 30 years.
Key Features
- Great for qualifying W-2, self-employed investors and small business owners.
- Based on property value, not personal income.
- Best alternative to hard money loans.
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Rehab loan program
A short-term “fix-and-flip” solution.
Our rehab loan program is the best short-term solution for acquiring and improving property value. It’s designed for “fix-and-flip” investors seeking a short-term, interest-only solution that’s based on the property’s “as repaired value” (ARV).
Key Features
- Allows borrowers to finance improvements.
- Great for borrowers who need a quick close.
- An interest-only 1-year term provides lower monthly payments.
- A higher LTV than hard money lenders.
Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
Short-term as-is loan program
A higher LTV alternative to hard money.
With its higher LTV ratio, our as-is short term loan is designed for investors with credit issues seeking an interest-only, short-term loan as an alternative to hard money financing.
Key Features
- A higher LTV than hard money options.
- Great for borrowers who need a quick close.
- An interest-only 1-year term provides lower monthly payments.
- Perfect for acquiring or leveraging real estate with deferred maintenance.
Property Types
- Investor 1-4 ( SFR, Condo, and 2-4 Units)
Foreign national/investor loan program
The perfect option for foreign real estate investors.
Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.
Key Features
- LTVs of up to 75%.
- No U.S. credit required.
- No seasoning of funds required.
- No other U.S. investment experience required.
Property Types
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)