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Super Jumbo Construction Loan Programs

Super Jumbo Construction Loans - Guidelines and Highlights. Below is a list of some of our "Super Jumbo" Construction loan programs.
Let us know if you have any questions by calling Customer Service 800-718-8906 to speak to a Mortgage Expert or see our a Pre Qualification form - No Crerdit Check Form above.

California Hard Money Jumbo – 80% LTV

Jumbos and Super Jumbos – Cash-Out – 600 Credit Score

Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80% on Investment properties all throughout California. Airbnb rental income, OK. Direct lender out of Irvine California focusing on value-add residential, commercial and Business Purpose mortgages.

Second Mortgages also Available. Private Money Lender, southern California based with LTVs up to 80% on Investment properties all throughout California. Airbnb rental income, OK. Direct lender out of Irvine California focusing on value-add residential, commercial and Business Purpose mortgages.

Loan Scenario Form ~~ Credit Check Not Required ~~

Super Jumbo Loan Amounts to $30,000,000

** 80% LTV Hard Money

LTVs are based on borrower’s real estate experience, type of transactions, subject property location, county and zip code, and the overall credit profile of the borrower.

Income Documentation | Liquid Assets | Employment Requirements

No personal income verification. Liquid Assets for Reduced Investor Pricing and Underwriter Guideline Exceptions.

Loan Scenario Form – Credit Check Not Required ~~

Eligible Property Types:

Single Family Residence Attached/ Townhome | Single Family Residence Detached (SFR-D) | 2-4 Units | 5+ Multi-Family Units | Condominiums (<4 stories) | PUD.

Available Terms:

Short-term 6-18 months. 2 year and 3 year, and 7 year ARMs are also available for long-term rental investors. Interest-Only (I/O) available on all terms. Pre-Payment options are available for reduced pricing.

** Loan Program Benefits ~

Inhouse control: Servicing, Fund Control, 5-Day Close

Available in the Following States:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.

Non-QM Jumbo Lender

Non-Qualified Mortgages and Non-QM Mortgage Brokers

In an ever-evolving Non-Qualified mortgage market, We continue to expand our products and guidelines Our team of Non-QM Mortgage Brokers is committed to continually enhancing our Non-Qualified Mortgage products and guidelines.

Non-QM Mortgage Broker – Bank Statement Loan to $5,000,000

Use Personal and/or Business Bank Statements and No 4506-T or 4506-C. As a leading Non-QM Mortgage Broker, we offer Bank Statement Loans to 90% Loan-to-Value (LTV). With a minimum credit score requirement of 640 for this program and loan amounts available up to $5 million, we provide flexible and accessible financing options.

Non-QM Lender Benefits

  • Loan-to-Value (LTV) up to 90% (Purchase)
  • Loan-to-Value (LTV) up to 90% (R/T Refinance)
  • Loan-to-Value (LTV) up to 85% (Cash Out Refinance)
  • Minimum Credit Score 640 (80% LTV)
  • Jumbo and Super Jumbo Loan Amounts to $5 million (70% LTV)
  • Maximum Debt-to-Income Ratio (DTI) – Max 55%
  • Available Terms 15-Year Fixed and 30-Year Fixed
  • Eligible Occupancies – Primary, Second Homes, and Investment Properties

    Alt Doc to 55% DTI

    Our maximum debt-to-income (DTI) ratio is set at 55%, ensuring more borrowers can qualify for our Non-QM mortgage products and are available for primary residences, second homes, and investment properties for all property types.

    Available in the Following States:

    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.

    12 Month Bridge Loan

    12 Month Bridge Program

    Lending Partner with the Flexibility to Deliver Results

    12 Month Bridge Loan allows Borrowers Access to the Equity in their Property Before it is Sold.

    Occupancies: Primary Residence, Second Homes, and Investment Properties

    Property Types: SFR and 1-4 Units

    Highlights:

    No Tax Returns and No 4506-T Form

    Underwriting Flexibility -Including no requirement for business tax returns.

    Higher DTI Ratios Considered

    Great take-out financing for construction loans, or hard Money for Investors

    Commercial and Income Property Lending

    Interest Only Available

    Vesting: Trust, Sub S Corporations, LLCs, and Partnerships

    Loan Amounts: $500,000 -$30,000,00

    660 Minimum Credit Score

    65% Maximum LTV

    Available in the Following States:

    Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Iowa, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, Washington, and Wisconsin.

    Hard Money Loans

    Hard Money Loans

    Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including investor purchase loans; refinance cash out option; new construction; second trust deeds; third trust deeds (Hard Money); refinance loans for primary and investment properties; fix and flips; rehab projects; probate properties; rental properties’ non-warrantable condos; mixed-use; mobile manufactured homes; rural area properties and unconventional properties such as what are called ultra-modern properties that lack traditional ‘comparables’. We also have programs for other types of properties including ‘log’ and ‘dome’ homes.

    Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real estate financing options to assist in a diverse real estate market (usually understood as Hard Money loans). We are a unique Hard Money Loan service for a variety of real estate transactions, including investor purchase loans; refinance cash out option; new construction; second trust deeds; third trust deeds (Hard Money); refinance loans for primary and investment properties; fix and flips; rehab projects; probate properties; rental properties’ non-warrantable condos; mixed-use; mobile manufactured homes; rural area properties and unconventional properties such as what are called ultra-modern properties that lack traditional ‘comparables’. We also have programs for other types of properties including ‘log’ and ‘dome’ homes.

    Contact a Loan Officer

    Hard Money Lending

    We have equity-based portfolio lenders, direct money lenders, and banks that offer soft money, sub-prime and non-prime loan programs including Small Business Loans and alternative-equity-financing options; our Hard Money division is on pace to do over 160 hard money loans this year. Our Hard Money mortgage loan department is a network of 39 individual Equity-Based lenders; Hard Money lenders/ Private Money lenders that will fund any reasonable loan scenario.

    Hard Money Experience

    There are many advantages of working with an extraordinary Mortgage Broker as Hard Money Mortgage Brokers can provide special services: a fast and efficient funding experience with easy terms and limited conditions. Some additional benefits of working with a Hard Money broker include a wide range of loan programs that come with the lowest pricing the market can offer. If a borrower is in the market for a hard money loan, they might get approved for a Soft Money loan program with a lower rate with a 5-year interest-only feature without a pre-payment penalty, as one example.

    Seasoned Real Estate Investor niche: some Hard Money/Private Lenders like working specifically with seasoned real estate investors. These guideline criteria can be quantified or qualified by the number of years or number of transactions undertaken by the borrower. For example, some lenders want to lend only to real estate investors that have completed more than 3 transactions, and some will not touch a real estate investor with less than 3. A further example is that some Hard Money lenders will not lend in an urban area and some will not lend in rural areas. When a lender requires a niche, they also, in turn, will provide discounted pricing, thus benefitting the consumer.

    Stated Income Jumbo Construction Loan 10-Million

    Home Builder Construction Loan Program | Forms 4506-T and 4506-C Not Required

    This is a short-term construction loan for home builders for subject properties located in Arizona, California, Colorado, Idaho, Illinois, Michigan, North Carolina, South Carolina, Ohio, Oregon, Texas, Utah, and Washington.

    Stated Income goes to 10 Million

    • 70% LTV (loan-to-value)
    • 85% LTC (loan-to-cost)

    Loan Amounts:

    • Maximum Loan Amount – $10,000,000
    • Minimum Loan Amount – $200,000

    Available Terms:

    • 4 months
    • 6 months
    • 9 months
    • 12 months

    Shorter-term – lower cost

    Blanket Loan available

    Construction Completion

    Draw Disbursement

    Eligible Property Types:

    • Single Family Residence SFR
    • 2 Unit
    • 3 Unit
    • 4 Unit

    Occupancies:

    • Owner-Occupied
    • Non-Owner-Occupied

    Eligible Borrowers:

    • Business Entities – Yes
    • Foreign Nationals – Yes

    Underwriting Notes:

    Lender qualifies the lowest middle credit score of both borrowers

    Available in the Following States:

    Alabama, Arizona, California, Colorado, Florida, Georgia, Hawaii, Illinois, Iowa, Kansas, Louisiana, Maine, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin.

    Investor Loan – No Doc

    No Income No Asset Verification – Forms 4506-T and 4506-C Not Required

    Foreign Nationals – OK

    Unique mortgage loan program designed for the Residential Real Estate Investor.

    Income Documentation: None

    Employment Status: N/A

    Employment Type: None

    Employment Documentation: None

    Nationwide Private Mortgage Lender

    This is a Private Money lender that has funded thousands of loans nationwide.

    Private direct lender specializing in Single Family Residences up to 1-4 units. Multiple loans for investors in all 50 states, One of the good things about this lender is they have over 25 years of real estate investing experience; they know how to underwrite a loan because they understand the residential real estate investment market because they themselves have bought and resold nearly 15,000 homes and have originated more than 4200 loans since they were founded in 2002; loans for investors, by investors.

    This is a true No Doc hard/soft money lender with national reach. No Income. No-Assets. No Employment. And now we dance. Closing’s average 10 to 15 business days from application. Loan amounts down to $125,000 and up to $300,000, all No Doc and greater than $300,000 on a case-by-case basis.

    Credit Scores and Hard Money

    Credit scores down to 580 or no score ok. Foreign Nationals also qualify. An investor can utilize this loan program for either a purchase or refinance. 30-day seasoning for cash out using new appraised value.

    This is a direct lender, and they make all decisions in-house with over $200,000,000 to lend. They also offer 3-year terms for borrowers with longer-term projects as well as traditional bridge funding. An investor can close in a natural person’s name or business entity.

    This loan program only requires an application, payment for the appraisal, 2 forms of ID and or corporate documents if applicable, title commitment and homeowner’s insurance.

    Loan Program Guideline Overview and Highlights:

    No Prepayment Penalties

    Information on “C” Property Rating:

    http://www.freddiemac.com/singlefamily/sell/docs/uadreqs.pdf

    Loan Purpose

    Purchase

    Cash out refinance – 30 days Seasoning Required

    Credit Scores

    580 or No Credit Score OK

    Pricing is Credit Score driven

    Credit Criteria

    Bankruptcy – OK

    Foreclosure – OK

    Short Sale – OK

    Loan Modification OK

    Loan Amounts: $5,000,000

    Minimum Loan Amount: $125,000

    Maximum Loan Amount:

    Greater than $300,000 on a Case-by-Case basis

    Maximum LTV

    70%

    LTV guidelines are based on the After-Repair-Value (ARV)

    Property Types:

    SFR

    1-2 Units

    1-4 Units

    Available in the Following States:

    Alabama, Arizona, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kentucky, Massachusetts, Minnesota, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, and Washington.

    540 061715 21-9-19

    Jumbo Loans

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