Here Are Some Loan Products We Offer

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

Residential 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 95%, Conventional investment up to 85%
States Available	AZ, CA, CO, FL, IL, MD, OR, TX, WA
Minimum FICO	620
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)

Commercial Conventional loan

For what?	Owner occupied & non owner occupied commercial loan Purchase/Refi/Cash out
Terms	30 year fixed
Rate	5-6%
LTV	75%
States Available	All 50
Minimum FICO	640
Points Charged	1-3
Documents Required	2 years business tax returns Purchase contract (if applicable) 3 months business bank statements Drivers license Leases (if applicable) Title company info (if purchase) Completed commercial 1003

Quasi Hard Money/Stated Income Long Term

For what?	Long term residential or commercial loan with stated income For investment properties that cash flow typically
Terms	3 or 8 year fixed rate, 30 year loan
Rate	7.5%-9%
LTV	75%
States Available	All 50 states
Minimum FICO	650
Points Charged	2-3
Documents Required	Purchase contract (if applicable) Leases 1 month bank statement to show down payment Drivers license Completed 1003 Application

Residential Private Banking

For what?	Long term residential loan, minimum loan size $1,000,000 Purchase/Refi/Cash out/Construction
Terms	30 year fixed Interest only option
Rate	3-4%
LTV	P&I up to 75% Interest only up to 70%
States Available	All 50
Minimum FICO	680
Points Charged	1-2
Documents Required	Bank statements verifying $1.5M liquidity minimum Minimum net worth $4M verification Purchase contract (if applicable) Recent credit report or authorization to pull Completed 1003 Drivers license

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