• No Minimum Credit

• No Minimum Liquid Assets

• No Minimum Income

• Recent Bankruptcy OK

• Must Provide:

  • Most recent pay stub​

  • Last 2 years' tax returns

  • Completed Loan App

• LLC's / Corps / Individuals

• No Minimum Value​

• No Maximum Value

• Residential

  • Single Family 2-4 Unit​

• Townhomes OK

  • No Condos​

  • No Manufactured

• No Owner Occupied's

• Commercial

  • Case-by-case basis​

• Rehab Loan Terms

• No Minimum Loan Amount

• No Maximum Loan Amount

• No Max / Min Repair Cost

• 1st Position Lien Only

• Up to 80% Loan to ARV

  • After Repaired Value​

• 0% - 20% Refundable Deposit

  • Based on ARV​

  • Deposit decreases the more loans you've done with us

  • Most 1st-time borrowers put 10% down (refundable)

• 6 Month Term

  • Up to 3 Month Extensions

• Construction Funds​​​ =

  • Loan Amount, minus purchase price, minus our charges, minus​ other closing costs (realtor, taxes, gov. fees, title fees)

• Appraisal

  • $600 +/-

  • Paid at closing​ or at the time of loan denial if the sale falls through.

  • We will request and save your checking account number on file before ordering the appraisal and will only charge your card if the sale falls through.

• Hazard Insurance

  • Amounts vary​

  • Paid at closing

• Title Charges

  • $900 +/-

  • Includes Mortagee's Policy

  • Paid at closing

• Tax Prorations​

  • Amounts vary

  • Paid at closing

• Recording / Transfer Fees

  • $150 +/-​

  • Paid at closing

• Realtor's Commission

  • Amounts vary​

  • Paid at closing

• Purchase Price

  • Amounts vary​

  • Paid at closing

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Firm numbers will be provided to you in writing prior to closing.

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All of the above costs are paid at closing out of the loan proceeds, no out-of-pocket charges to you.

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You're welcome to shop prices and choose your own vendors for all of the above, except for the appraisal.

• FREE Application

• FREE Credit Check

• FREE Document Prep

• FREE Draws

• FREE Inspections

• FREE Loan Early-Payment

• FREE Interest on Un-Used $

• FREE Daily Service

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• Transaction Fee

  • 2% of Loan Amount​

  • $3,200 Minimum

  • Paid at closing out of loan

• Notary & Wire Fee

  • $27 Flat Fee​

  • Paid at closing out of loan

• 12% Interest

  • No monthly payments​

  • No interest on unfunded balance

  • Paid at closing of sale​​

• Extension Fee*

  • *Usually not necessary​

  • All accrued interest at the time of extension must be paid by check

  • $16.16 fee per day or a proration of the transaction fee charged daily, calculated as 1/182.5 or .00547 times the transaction fee.

  • 3 month maximum

  • Fee paid at closing of sale

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No hidden fees, junk fees, doc prep fees or service fees.

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You will be provided with a written statement of all costs prior to closing.

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