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600+ Credit - Purchase & Refinance

30 Year & Short Term Bridge Funding!

"Construction & Renovation Take Out Loan"

Qualifying Credit & Loan Amounts

  • 680+ credit up to 80% LTV cash out refinance (available in specific states).

  • 600-659 credit for 12 - 24 month bridge term.

  • 660 credit for 70% LTV Rate & Term

  • 660 credit for 65% LTV Cash Out Refinance.

  • Loan amounts $100,000.00 – $5,000,000.00 for single family and 2-4 units, including condo’s and townhomes.

Funding Available In The Following States

AL*, AR, AZ*, CA*, CO*, CT, DC, FL, GA*, HI, ID, IL, IN, KY, LA, MA, MD, MI*, MO*, MN*, MS*, NC*, NJ, OH, OK, PA*, SC, TN*, TX*, UT*, VA*, WA*, WI

*Denotes 80% LTV cash out refinance available

Program Highlights

  • No Minimum Seasoning On Title with recently completed renovation work (requires 90%+ completion)!

  • No Prepayment Penalty on 12-24 month bridge loan!

  • No personal income verification!

  • Close in about 15-20 business days with clear title!

  • No escrows of taxes and insurance on bridge loans!

  • Single family, 2-4 units, condo’s & town homes!

  • Properties listed for sale OK!

  • Vacant properties OK!

  • Traditional 6 months on title if no renovation to use current value!

Term Of Financing

  • 30 year term available.

  • Short term 12 & 24 month bridge financing available. 

Property Types

  • Single Family, 2-4 units, town-homes, condo’s.

Seasoning On Title Requirement​

  • No seasoning on title requirement to use current appraised value when “90% of improvements/construction completed”.    

  • After 6 Months On Title – Use current appraised value.

Title Vesting

  • Closing can be executed in the name of a business entity (LLC, S-Corp, C-Corp) or individual personal name.

Property Appraisal

  • Traditional property appraisal is required.

Required Documents For Underwriting Approval

  • Clear and legible copy of government issued ID (all members of business entity)

  • Copy of HUD Settlement Statement from acquisition of property

  • Copy Of IRS EIN Letter for business entity (if applicable)

  • Copy of Articles of Organization for LLC or Incorporation for a Corporation (if applicable)

  • Copy of Operating Agreement for LLC or Corporate Charter/Bylaws for Corporation

  • Interior & exterior photos of the subject property.

  • For Properties Renovated Within Last 12 Months:  Copy of original scope of repair work OR list of repairs with associated cost (TEMPLATE PROVIDED).

General Funding Guidelines

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