Mortgage Programs
Different loans for different borrowers.
Every borrower that steps into your office has a unique vision – and a unique set of circumstances that have led them to you. Our wide range of alternative, asset‑based mortgage programs allow brokers to service the needs of tough-to-qualify real estate investors, including W-2 employees, self-employed entrepreneurs and small business owners.
Here’s a summary of the residential investment and commercial mortgage programs we offer.
FlexTerm Loan
Customize loans to meet the individual needs of each investor.
Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.
- 30-year fixed rate.
- Interest-only payments up to 10 years.
- Great for qualifying self-employed investors and small business owners.
- Based on property value, not personal income.
- Best alternative to hard money loans.
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
ARV Pro
A short-term solution for improving property value and maximizing rental appeal.
Designed for real estate investors seeking a short-term, interest-only loan to maximize appreciation, stabilize cash flow, and minimize vacancies.
- Allows borrowers to finance improvements based on the property’s “as repaired value.”
- Helps to increase market value, rental appeal, demand, and rental rates.
- Great for borrowers who need a quick close.
- An interest-only, 1-year term to lower monthly payments.
- A higher LTV than hard money lenders.
- Investor 1-4 (SFR, Condo, and 2-4 Units)
Flex I/O
A short-term interest-only loan program.
Designed for investors seeking short-term financing with no prepay penalties.
- An interest-only, 24-month term provides lower monthly payments.
- Available for purchase or cash-out refinance.
- Perfect for acquiring or leveraging real estate holdings.
- A higher LTV than hard money options.
- Single Family
- Condominiums
- Townhomes
- Small 2-4 Unit Apartments
Fast50 Loan
A low LTV loan with easy credit requirements.
Our Fast50 Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.
- Streamlined underwriting.
- No seasoning of ownership required.
- Improved pricing compared to our FlexTerm program.
- Available as a 3-year-fixed or 30-year-fixed loan, each amortized over 30 years.
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)
Foreign Investor Loan
The perfect option for foreign real estate investors.
Our Foreign Investor program is specifically designed for foreign investors who are seeking investment properties in the U.S. but have not found a financial solution.
- LTVs of up to 65%.
- No U.S. credit required.
- 30-year fixed rate.
- Par pricing.
- Investor 1-4 (SFR, Condo, and 2-4 Units)
- Multi-Family (5+ Units)
- Mixed-Use
- Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)