HIGHEST RATED LENDER ON BIGGER POCKETS!
Rates as low as 7.99%* 90% project financing available.
Fix and flip, Ground-up, Cash-out refi 30 year loans available.
New investor friendly NATIONWIDE lender with 12 years experience!
Our goal is to build long term relationships, so we align ourselves with your interests, not the bank backing the loan. We are a Texas business with Texas ethics, and we are ready to lend you the money you need!
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We Operate as Follows
FIX AND FLIP
-Minimum Loan Amount 75,000
-We will loan up to 75% of the ARV depending on credit score*
-Interest bearing payments only starting at 7.99%-9.5%*
– 1-3 points of origination*
– The borrower must put down 10-20%, and we will loan up to 90% of the purchase price, and 100% of the renovation budget, assuming the combined total does not exceed 75% of ARV
-10-20% available down payment
-A percentage of the rehab budget must be proved to be available (paid in draws)
-The 1st 3 months’ payments total must also be exhibited as cash on hand
-We charge interest-only on the loan (1-year term)
-We charge points at closing (1-3 points) – this means 1-3% of the loan amount will be charged as a cost to buyer at closing.
-You pay the BPO / appraisal ($695 depending upon which we order, if it is a rush appraisal $695) & $995 doc prep fee (a third party cost we pass along)
That is it. NO JUNK FEES, admin fees or otherwise fees.
LONG TERM FINANCING
or CASH OUT
-We also offer a cash out refinance or rate and term refinance for a 30-year fixed rate mortgage. If borrowers credit exceeds 680, we can loan 75% of as-is value.
– Interest rates start at 4.5%* on 30 year notes and depends on credit score.
-The percentages of LTV get smaller as credit decreases. Minimum loan amount 75k
GROUND UP CONSTRUCTION
We can now go to 90% LTC. This is ONLY for completely bullet-proof builders.
• Very established experience that is easily documented by sold HUD’s – 10+ projects in past couple years where borrower was on title
• Strong credit – ideally 700+
• Strong liquidity
• We must fund 100% of the construction costs. Once that is calculated, if the LTC and ARV work, we can do less than 30% down on the dirt
Please contact for more details
For the best rates please use the link below for our loan application or call: