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About 6 Minutes
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The property
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Choose your loan type
Tell us about the property
Occupancy
Property type
Number of units
Where is the property?
Property address
Street address
Apt / Suite / Unit Line 2
City
State
Heads up:
earlier you told us the property is in ,
but this address is in .
We don't currently lend there for this loan type. Double-check the address before continuing.
Just double-check that's right before continuing.
ZIP
What kind of financing?
Loan purpose
Estimated property value
Loan amount
Existing mortgage balance
Cash out amount
Payoff
Cash to you
Total loan
LTV
Over the limit for this loan type. The most cash that typically fits is about . Your payoff alone is over the limit. Raise the property value if it is understated.
A refinance pays off your existing mortgage at closing, so your loan amount must be at least your balance of . Raise the loan amount to continue. To take cash out instead, choose Cash-Out Refi.
Interest only?
A few details on the borrower
Just pick the range you're in. Nothing is pulled and this never touches your credit.
Credit score range
Citizenship
Do you have an ITIN?
First time investor?
Income and cash flow
Estimated total monthly rent for a rental
Yearly property taxes Optional
Yearly insurance Optional
Gross monthly income
Monthly debts Optional
How can you show your income?
What type of property?
Pick the closest match, we fund just about everything.
Where's the property?
State
Let's make sure we lend in your state.
Sorry, we don't fund in . We currently can't lend in for this loan type. Choose another state to continue.
Great news, we fund in . Let's find the right program for your deal.
The property address
Property address
Street address
Apt / Suite / Unit Line 2
City
State
Heads up:
earlier you told us the property is in ,
but this address is in .
We don't currently lend there for this loan type. Double-check the address before continuing.
Just double-check that's right before continuing.
ZIP
We are not currently lending in for this loan type. Enter a property in another state to continue.
Choose your program
1 · How do you use the property?
2 · Paperwork or pricing, which matters more?
Loan basics
Ballpark numbers are fine, we'll refine together.
Is this a purchase or a refi?
Contract purchase price
What you're under contract for. The appraisal will confirm value.
Property value
Your best estimate. The appraisal will confirm it.
How much are you putting down?
We'll finance the balance of the purchase price.
Balance of all existing mortgages
Every lien that has to be paid off: 1st, 2nd and 3rd position, plus judgments, tax liens, mechanic's liens or HOA liens. Enter $0 if it's free and clear.
This file needs Full Doc.
Your existing balances total , above the cap on . A payoff that size has to be underwritten Full Doc, with complete financials on the property and the borrower.
Maximum loan
Available cash out
Your loan can't go above this.
Net to borrower (before closing costs)
LTV
Over your maximum of and that is . Reduce the loan to continue. A larger down payment of more would bring it in range.
Your payoff is more than the maximum loan.
Your existing balances total , above the maximum on . Every lien has to be paid off at closing, so no loan amount closes this as it stands. Full Doc's higher LTV covers it.
Loan amount
Property value
LTV
About your current note
About your purchase
Who holds the current note?
Mortgage holder or bank name
Is your note due?
Note due date
Is the seller holding a 2nd?
Do you have a purchase agreement and money in escrow?
Can you show proof of funds?
Without a purchase agreement and money in escrow we can't issue a term sheet yet, but keep going and we'll give you a rate and terms estimate. Once your agreement is signed and escrow is opened, we'll issue the formal term sheet.
A few details on the borrower
Just pick the range you're in. Nothing is pulled and this never touches your credit.
Credit score range
Income and cash flow
Total rent collected on the property (annual)
Enter the yearly total, not the monthly rent (monthly rent x 12).
Yearly property taxes Optional
Yearly insurance Optional
Is the property 100% occupied?
What percentage is occupied?
What type of property?
Your situation
Fast track: foreclosure and bail-out files go straight to a senior loan specialist. Answer a few questions and we're on it.
We see your sale date and we'll treat this as urgent.
Is a foreclosure sale or auction date scheduled?
Sale / auction date
Tell us where things stand
The more we know, the faster we can move.
Estimated property value
Your best estimate. The appraisal will confirm it.
Total amount of mortgage balances
Include arrears, tax liens, judgments, and anything else that needs to be paid off.
Loan amount defaults to the total payoff; adjust to cover costs
A bail-out pays off an existing loan. With nothing owed there is no note to pay off and no sale to stop, so this track does not apply. To take money out of a property you own outright, go back and choose hard money cash out.
Loan amount
Property value
LTV
Max LTV
Estimated loan at LTV . Over the cap. Reduce the loan to or less to continue.. Below our $100,000 minimum. These loans start at $100,000, so talk to your loan specialist about other options.. The loan cannot be less than the balances being paid off. Raise it to at least your total payoff to continue.. Your balances total , which is more than we can lend against this value. Raise the property value if it is understated, or reduce the balances that need to be paid off.
The financing
Purchase, rate and term, or cash out?
Who holds the current note?
Is your note due?
Note due date
About the purchase
We finance of the purchase price. Here's how the rest comes together.
Contract purchase price
What you're under contract for. The appraisal will confirm value.
Your loan amount at of . Below our $100,000 minimum. These loans start at $100,000, so talk to your loan specialist about other options.
Is the seller carrying a 2nd?
A seller 2nd of up to 15% of the price reduces the cash you bring. Maximum .
Seller 2nd amount
Over the cap. The seller 2nd cannot exceed 15% of the price, .
Estimated closing costs Optional
Title, escrow, lender fees and prepaids. Leave blank if you're not sure yet.
Where is the down payment coming from?
Cash down requires proof of funds at closing. We'll add it to your conditions, nothing to upload now.
Money down
Purchase price
Less our 1st
Less seller 2nd
Plus closing costs
Down payment
Cash to close
CLTV
What is owed on the property?
Estimated property value
Your best estimate. The appraisal will confirm it.
Total amount of mortgage balances
Include arrears, tax liens, judgments, and anything else that needs to be paid off.
A rate and term refinance replaces an existing loan. With nothing owed there is no note to replace. Go back and choose cash out to take money out of a property you own outright.
Property value · less payoff · available to take out . There is no room for cash out: the payoff already meets the maximum we can lend against this value.
Cash-out amount
We capped that at the most available, .
Loan amount defaults to the payoff plus cash-out; adjust to cover costs
Because you selected Rate and Term, the loan amount is set to your payoff. To borrow more, change your loan type to Cash Out.
Use of Funds
Loan amount
Property value
LTV
Max LTV
Estimated loan at LTV . Over the cap. Reduce the loan to or less to continue.. Below our $100,000 minimum. These loans start at $100,000, so talk to your loan specialist about other options.. The loan cannot be less than the balances being paid off. Raise it to at least your total payoff to continue.. Your balances total , which is more than we can lend against this value. Raise the property value if it is understated, or reduce the balances that need to be paid off.
Anything we should know?
Tell us anything about the loan, the property, or your situation that could affect the deal. Disclosing it now helps us expedite your loan, surprises in underwriting slow things down.
Tap any that apply
Anything else relevant? Optional
A few final details
First name
Last name
Will the title be held in an entity?
Entity name
Entity type
Entity EIN Optional
Rehab budget
Payment structure
This loan is a 2-year term, amortized over 40 years.
You pre-qualify
%
- Term
- AmortizationPayments
- Lender fee
- Max loan
- Max LTV
- available, converting to fully amortizing, for +%
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By continuing you agree to be contacted about your loan options. Rates shown are estimates based on the information provided. Final rates, terms, and eligibility are determined upon deal submission, credit verification, and property appraisal. This is not a commitment to lend.
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Phone Optional
Company Optional
By continuing you agree to be contacted about your loan options. Rates shown are estimates based on the information provided. Final rates, terms, and eligibility are determined upon deal submission, credit verification, and property appraisal. This is not a commitment to lend.
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