Guidelines for funding home loans have become more stringent during the past several months.   Large super jumbo loans ($1m and up) refinance or purchase maximum loan to value is normally 60% to 80% with good fico score with our private investors funding.  Larger loan sizes may drop to 60% or lower loan to value.

Guidelines for refinance and purchase with most loans- lower fico scores 550-600 maximum loan to value is normally 65%.

Guidelines for refinance and purchase with higher fico scores 700 and above on loans up to $1m maximum loan to value is normally 70% to 80%.

Guidelines for Doublewide/Singlewide M/H purchase or refinance on permanent foundation with fico score 650 or above maximum loan to value is normally 75%.

Guidelines for multi-family home purchase or refinance with high fico score maximum loan to value 70% to 85%.

Guidelines for construction loans with fico score 650 and above maximum loan to value will be 75% to 85%.

Guidelines for foreclosure bailout loans fico score not considered but must have at least 35% equity in property-most states.

Guidelines for Non-Owner Occupied investment properties 80% to 90% LTV most states with high FICO score.

Guidelines for all other home loans with fico score as low as 500, late payments and no foreclosure notices maximum loan to value 65% subject to underwriting requirements.

                        Request Home Loan Summary Form.

loans@money-finance.us 

PRESENTLY OFFERING SUPER JUMBO RESIDENTIAL
LOANS OVER $1 MILLION 
UP TO 80% LTV
Super Jumbo Home Loan Guidelines

NEW HOME PURCHASE & REFINANCE PROGRAM UP TO $3 MILLION

Some of our super jumbo loan to values over $2 million with major banks have dropped to 50% to 60% during the past several months-even with good fico score.  We do have private investors for lower fico score jumbo loans.  Complete a loan summary form for review, rate and terms.  Full document submission will be required including tax returns.  Request Super Jumbo Loan Summary Form.

loans@money-finance.us 

LOAN AMOUNT $250,000 TO $20,000,000 MILLION
INCLUDING HARD MONEY

Financing in most states.  Land with no infrastructure maximum 33% LTV.  Land with infrastructure up to 70% LTV.  Consider land development for projects on a case by case basis.

Hard Money Commercial

LOAN AMOUNT $250,000 TO $25,000,000 MILLION
THIS IS OUR SPECIALTY

We have a group of private investors for these loans. Hard money on most commercial real estate with infrastructure on the land 65% to 70% LTV depending upon revenue and exit strategy.  Term 12-24 months interest only, rate 10% to 15%.  Fast turn-a-round on most loans if you have necessary documents available.  With the lower LTV, property value and appraisal will be the overriding consideration not the credit of the borrower.  Higher LTV the credit will become a factor.  We will require exclusive loan processing agreement-normally with no front fees.

Offshore Loans