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                                       Private Money & Hard Money Made Easy 310-737-8420

Abbriviated List Of The Most Popular Loans We Offer:

As of October 2013

Hot Loan Product #1

4.75%  SIVA - Easy doc Stated Income Verified Assets  30 YEAR Loan for owner occupied at 70% LTV, 1-4 units and investment properties too. Cash out available at 55% LTV. Loans up to $1M. Min mid fico 700. No 4506T. No tax returns. No W2s. No 1099s. No for sale by owner.  See guidelines for specifics. CA only properties  

Salaried Borrowers OK. Self Employed Borrower must be self-employed for a minimum of 2 yrs in the same line of business.  The business phone number must be verifiable via 411 or internet.  Business licence & CPA letter verifying the borrower's ownership of business for the last 2yrs is required. 12 months reserves requried from borrower's personal/savings account.  Click here FLYER and for detailed Guidelines

 

Hot Loan Product #1B

7.95% 30 term Bank Statement Only Program. Up to 80% LTV for 1-4 units owner occupied and investment properties too. 500+ fico required. Cash out available. No 4506T. No tax returns. No W2s. No 1099s. We use 100% of deposits for income qualification. Click here FLYER and for detailed Guidelines

 

Hot Loan Product #2

50% LTV Stated Income Stated Assets "SISA" at 5.99% with NO Fico. Has to be in A+ neighborhood. Non Owner investment SFR, 2-4 units, Retail office, mixed use. Click here for detailed Flyer Pacific Coast only.

Hot Loan Product #3

80% Stated income and Stated Assets "SISA". Low fico OK. Loan amounts $75K to $1,250,000. No personal financials. Loan term 6 to 9 months extendable. Great for fixing and flipping properties. Investment loan only. CA only properties.

 

Hot Loan Product #4

2nd Trust deeds at 65% CLTV. Stated Income "SISA". No financials needed. Low Fico OK. Rates aprox. 12.5% to 13.5%. CA only properties

Hot Loan Product #5

Equity Line of Credit - Stated Income Stated Assets - SISA up to 60% LTV or CLTV. Can be in 1st or 2nd position. Rates 9% to 11%. Only pay for what you are using. Juice it up and pay it down as much as you want.  Brokers get paid on the gross line amount. CA only properties.

 

Hot Loan Product #6

65% for SFR, 1-4 units. SIVA. Basic Loans to $2 million first position. Max LTV 65% at 7.99%-8.99% with 8 months banks statements with good fico. Terms are for 3 or 5 years. Corps - LLC and Trusts are all OK to fund into. Rates based on CA properties. Rates different for other states.

Hot Loan Product #7

75% for SFR, 1-4 units. SISA. Stated income Stated assets "SISA" at 10% to 11% with No fico. Loans to $2M. Loan terms are for 3 or 5 years. Corps - LLC and Trusts are all OK to fund into. Rates based on CA properties. Rates different for other states.

 

Hot Loan Product #8

70% for SFR, 1-4 units. SISA. Rate 9% to 10%. Term 3 years. Non owner. LLC or Corp is okay. CA only properties.

Hot Loan Product #10

Fix and Flip / Purchase Rehab Loans. As a make sense lender we may lend up to 100% of the purchase price plus 100% improvements financed too. Any type of residential or commercial property.  Click here for details Non owner investment loan only. Check Your Deal with our Analyzer CA only properties.

 


Hot Loan Product #11

5+ units. Multifamily Home Loans - No 4506 - No Tax returns on borrowers. Charge as many points as you want. Rates start at 3.14%.  Click here for details  Nationwide.

 

Hot Commercial Loans #12

"Click" on this Link for Details Nationwide

 

Hot Loan Idea #13

Start selling our loan products to other mortgage brokers and make big money. Go to JOIN OUR TEAM to learn more.

 

Any rates and terms stated above are for professional real estate mortgage brokers and bankers only. Rates, terms and procedures subject to change daily. All loans are for investment purpose only unless specially stated.


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Fix and Flip Money for Rehabbing Properties in California.

 

We may lend up to 100% of the purchase price plus 100% improvements can be financed too.

 

NO FICO and NO Income or Asset Verification.

 

If your deal makes sense we will fund it. We are a make sense lender.

 

We loan on any type of residential or commercial property.

 

Most qualify with zero down payment.  Non owner investment loans only.

 

Rates range from 9.99% to 13.99%.

 

We are broker friendly and protect our brokers.

 

To get started, below is the loan application and borrower's bid that we require for our loans. Ignore the percentages on the bid. Please use the borrower's section of the loan application for the LLC or Corporation (if property under an LLC or Corp). Complete the co-borrower's section for the person signing for the LLC or Corporation.

          
For a purchase rehab loan we need this specific loan application, found below, completed.

 

All sections of the application must be completed. Please do not leave GROSS MONTHLY INCOME, ASSETS, MONTHLY HOUSING EXPENSES, OR THE YES AND NO QUESTIONS BLANK. All income and assets are not verified to help expedite the loan.

 

Corporation purchases please provide-Articles of Incorporation and Bylaws

Limited Liability Corporation (LLC) provide - Operating Agreement & Articles of Organization.

 

What you need for submission are the forms below and;

2 forms of ID.  

Copy of existing Mortgage Statement - for refi.  

Credit report - for all new loans.  

Executed purchase contract - for new purchase loan.  Fire insurance agent contact and phone number - for all loans.

If derog credit letter of explanation on what happened - needed for all loans.

All corporate documents if taking title is an LLC or Corp (we still need the individual's information whom will sign on behalf of the Corp.)

 

Click on the downloadable links for documents.

 

Specific Loan Application

 

Sample of Specific Loan Application

 

Borrowers Itemized Bid

 

Borrowers Authorization

 

Credit & Appraisal $$ Authorization Form

 

Fix and Flip Rehab Analyzer - use this to check your deal!

Important Note: If you do not own a home and you want to buy and flip a home you will need to have the purchase entity be an LLC. Click on this to get the LLC now. You will be the Borrower and the LLC is the Co-Borrower.