Loan programs california private money home loans

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Loan programs california private money home loans

Estate Attorneys Loan programs california private money home loans

Easy Doc Loans for Trusts, Probate, Guardians & Conservators

  • Pay cost of administration
  • Stop foreclosure
  • Creditor claims
  • Buy out heirs and/or beneficiaries
  • Rehabilitate property
  • Taxes
  • Emergencies
  • Funds used for any permissible purpose
  • Meet conservatee medical, care, expense, property rehab needs
  • Trust cash needs


Self Build Construction Loan or Borrower / Builder Loans

This program is designed for Borrowers who are acting as their own general contractor or Borrower hires a Contractor to construct a residential property. Upon completion, the loan may be converted to a permanent loan with via Equity Development or to customer’s end loan of choice. Refer to Construction to Permanent Loan. *** EZ DOC or FULL DOC available***

  • Borrower acts as own General Contractor (No site supervisor required) unless Contractor is hired
  • Loan amounts from $75,000 to $1,750,000
  • Loan amounts of up to 90%* of the appraised value on single family, owner occupied, full income documentation, conforming loan amounts. Please call for additional information on other programs offered.*Cross collateralization allowed on other properties, if needed, for maximum (or greater) loan amounts
  • Land purchase may be included in the loan, up to 75% of the lot purchase price
  • Deal directly with the Loan Officer/Underwriter
  • Full and Limited Documentation programs available
  • Fast pre-qualification, typically within 3 to 5 business days of full submission
  • Loan programs available to Borrowers with excellent to less than perfect credit
  • Flexible draw schedules
  • 1 to 4 family homes preferred, see Multi-Family for more than 4 units
  • 12 month construction term (up to 18 months on an exception basis)
  • Interest only payments based on funds advanced

Offering Non Owner and Owner Occupied Loans In The following States: CA

As of 2017 Manufactured Home Loans

rates start at 7.99%, Term 20 years, 4-5 points or 4.8% fixed tier program

  • For quick underwriting send 1003 and credit – three day turn time.
  • We finance SINGLEWIDES (14′ wide or larger). DOUBLEWIDES, and TRIPLEWIDES.
  • CHATTEL (Home Only) or LAND HOME combination loans available. Ask for no MI.
  • Up to 95% LTV before fees on Owner Occupied, Full Doc loans
  • Up to 80% LTV before fees on Alternative Income, Secondary Housing, and Investment Properties.
  • DEBT CONSOLIDATION and HOME IMPROVEMENT programs available (based on equity and customer qualification). Alternate Income is not available on Equity Loan Programs.
  • Age of home 1976 and newer in most states.
  • Permanent foundation not required.
  • No surveys or inspections required.
  • CLOSING COSTS & INSURANCE can be financed.
  • Fixed Rates & No Pre-Payment Penalties
  • All loans are assumable
  • Custom underwriting! We underwrite and price on a case-by-case basis, weighing each submission on its individual merits. Rates typically range from 7.99 to 18% depending on credit quality, ltv, loan amount and collateral type.
  • Loans only available in CA
  • 600 minimum credit score is required on all three major credit bureaus. Credit scores <600 or <200 (internal score) requires a minimum down payment of 40%. All applications submitted are scored in three ways. The primary score is Investor’s custom application scorecard and the secondary score is one of the credit bureau scores (Equifax, Experian or Trans Union). Meeting our minimum credit score does not guarantee approval. If a Co-Applicant is needed for income, an average of the primary applicant’s and co-applicant’s score is used.
  • Maximum 31% Housing Ratio and 45% overall Debt to Income Ratio.
  • 5 points maximum charge (2 points to Equity Development / 3 points to Investor) Equity will share in its 2 points with Licensed Brokers.
  • Doc Prep Fee for chattel loans equal $175. No doc prep fee is charged on L/H loans.
  • No yield spread shall be charged by the Broker.
  • We offer Wholesale and Retail Business.
  • Minimum loan amount is $55,000 for home only and $55,000 for Land/Home.
  • Maximum Term is 20 years.
  • We cannot finance other lender’s repossessions.
  • BK MUST BE DISCHARGED 48 MONTHS. Must have significant re-established credit and no late payments since the bankruptcy.
  • All appraisals must be ordered through Equity Development.
  • Mandatory escrow for insurance and taxes.

********** See most active loans at “Hot Loan Products” for rates and guidelines. *****************

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Want to be a part of our syndicate? Partner with the best. We buy homes and fix and flip them too. We use our loan programs. Min investment $10K. Turn time is usually less than 12 months. Returns on your investment are usually 45% to 85% within a 12 month period. See prospectus for specifics. If interested contact us or call 310-737-8420

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