Here Are Some Loan Products We Offer

Conventional/FHA/VA loan
For what?
  • Owner occupied & non owner occupied residential loan
  • Purchase/Refi/Cash out
  • Get out of hard money loan, prequal your buyers
Terms 30 year fixed
Rate 3.5-5.5% depending on bond market, product, and credit of borrower
LTV FHA up to 96.5%, VA up to 100%, Conventional primary up to 97%, Conventional investment up to 85%
States Available AZ, CA, CO, FL, IL, MD, OR, TX, WA
Minimum FICO 580
Points Charged 0-1
Documents Required
  • Completed 1003 application
  • 2 years personal tax returns
  • 2 years W2s or 1099s if applicable
  • 2 months paystubs or YTD P&L
  • 2 months bank statements
  • Drivers License
  • Social Security card
  • Purchase contract (if applicable)
  • Mtg coupon statements (if refinances)
  • Home owners insurance (if refinances)
  • Title company info (if purchase, we can open title if refi)
Hard Money Loans
For what?
  • Fix n Flip
  • Ground up Construction
  • Short Term Bridge Capital
Terms Up to 12 months, interest only payments (options to extend)
Rate 8.5-11.5% (2 factors that drive rate are FICO score and experience level)
LTV 75-85% LTV on purchase, up to 100% of rehab funds We lend up to 70% of ARV so if finished value of the project is high enough, we cover up to 100% of the rehab funds
States Available All 50
Minimum FICO 620
Points Charged 3-5
Documents Required
  • Completed 1003 Application (can find online)
  • Purchase Contract
  • Contractor’s Estimate/ Rehab budget
  • ARV Estimate (with 3 comps)
  • Escrow Officer’s Contact Info
  • Borrower’s Authorization (or recent credit report)
  • LLC/Corp Docs (EIN, Articles, Operating Agreement/By Laws if buying in corporate name)
  • 2 months bank statements for down payment funds
  • Drivers license
Non QM Loans
For what?
  • Bank statement loans, stated income loans
  • No doc DSCR for investment props
Terms 30 year loans ARM or fixed
Rate DiSCoveR Rate Sheet
The Vault Rate Sheet
LTV Up to 95%
States Available
  • Arizona
  • California
  • Colorado
  • Florida
  • Illinois
  • Maryland
  • Oregon
  • Texas
  • Washington
Minimum FICO 600
Points Charged 2-3
Documents Required
  • Purchase contract (if applicable)
  • Leases
  • 1 month bank statement to show down payment
  • Drivers license
  • Completed 1003 Application
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