• Ask about our bank statement program which eliminates the use of tax returns and we just use the deposits in your bank account to calculate income.
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Non-Conventional Bank Program

Non-Conventional Bank Program

As mortgage brokers, we are always looking for new programs that we can offer our clients. We have access to almost any mortgage program that exists. We are experts at non-conventional or also know as subprime loans or non-agency loans or non-conforming loans. These type of loans are offered only by certain lenders and are almost never offered by the big banks such as Chase, Citi, Bank Of America, TD Bank or any other large commercial bank. We have been in business for decades and we have emerged as the go to mortgage broker when it comes to getting it done.

Below is just a few notable mortgage programs that we offer.

Loan Amounts – $300,000 to $40,000,000
LTV – up to 75% apartments, mixed-use, office, retail plaza, student housing, mobile home parks
Min credit score 620
Terms / Rates start at 4.15%, 3-5-7-10 year terms, 25-year amortization with no balloon payments

  • Down payment gifts from family members acceptable
  • Credit issues
  • Foreign nationals
  • Prior foreclosures, Short Sales, Bankruptcies
  • Low Global Cash Flow ratios
  • Property condition or stabilization issues
  • Bridge Loans for upgrading and re-purposing properties
  • Step down prepay
  • Rate lock at application
  • Primary and secondary markets

Contact us today for a FREE consultation at (800) 535-0270 or email us here.

Hard Money Bridge Loans

Hard Money Bridge Loans

Nationwide Bridge/Senior Loans | $2M-$50M

We are a unique real estate investment firm that originates, structures, underwrites and provides debt and equity funding for both income and non-income producing properties.  – We Have No Upfront Fees –

Our team has the background and experience to review projects and properties from the perspective of a lender as well as an active owner of real estate in multiple asset classes.


LTV / LTC    Up to 80%
Rate:    8-14%
Term:    1-4 years
Amortization:    Interest Only
Recourse:    Typically Flexible
Exit Fee:    Typically None
Extensions:    Up To 1 Point

Eligible Properties:

Residential (Multifamily/Condo Inventory)
Retail (Strip Malls and Stand-Alone)
Student Housing
Senior Housing
Office / Medical Office
Warehouses / Distribution/ Light Industrial
Mixed Use
Hotels / Motels (Flagged Only)
& Much More

About Us:

Our multi-disciplined team specializes in rigorous asset-level due diligence and strategic planning of all funding requests. By leveraging our internal resources, along with expertise obtained through our top-tier legal and local consultants, our customized finance structures often result in a win-win for all parties involved.

Contact us today for a FREE consultation at (800) 535-0270 or email us here.

SBA Program Turned Down By Other Lenders

SBA Program Turned Down By Other Lenders

Sure, we love those prime SBA deals, but who doesn’t? Our SBA program is perfect for SBA loans turned down by other lenders.

Does your client’s business make money but was rejected by an SBA lender because of low credit, a past BK, back taxes or a similar reason?

SBA Parameters

Loans secured by businesses and business occupied real estate (>50%) only

• Loans from $250,000 to $5,000,000+
• No Restricted Industries (except those the SBA deems ineligible)
• No Property Type Restrictions (even land as collateral is acceptable)
• No Credit Score Minimum (>580 preferred)
• Past BKs, Foreclosures and Back Income Taxes on Payment Plans Ok
• No Collateral Requirement, Business Only Loans Ok
• No Geographic Restrictions and No Population Minimums

SBA Terms

• Quarterly Adjustable Rates Starting at Prime + 1.25 (4.75%)
• 5 Year Fixed Rates Priced at 5.75%
• 25 Year Fixed Rates Priced at 7.75%
• 25 Year Amortizations and 5%, 3%, 1% PPP on Real Estate Loans
• 10 Year Amortizations and No PPP on Business Only Loans
• LTV’s up to 90% on Generic and Semi-Generic Property Types
• LTV’s up to 85% on Special Purpose Properties Types (Hotels, etc.)

For more information contact us at 800-535-0270 

Mixed Use FHA

Mixed Use FHA

Not everyone is aware that FHA is biggest insurer when it comes to Mixed used properties. We are one of the largest mortgage brokers that handles FHA mixed use mortgages. Mixed Use Properties allowed on FHA, a minimum of 51% of the entire building square footage must be residential use.


• Mixed Use Properties
• MAX DTI is up to 56.99% per HUD.
• NO Minimum Tradelines
• NO Verification of Rent is needed.
• W2 Transcript Only program to 580 score
• Manufactured Homes OK!
• Manual Underwriting
• Minimum Score is 580
• Take a look at our Great Rates


• Manual Underwriting OK
• Minimum score is 580

Our Niche Lending / Non Prime loan programs

 Bank Statement Program
– multiple personal accounts allowed
– business bank statements
– up to 85% LTV
– self employed only

Stated Income for Jumbo Loans
-min score 700
-self employed only

Foreign Nationals

One day out of BK, Foreclosure or Short sale

Non-warrantable Condos / Condotels

To contact us by phone call 800-535-0270

New Commercial Construction Financing to 80% LTV

New Commercial Construction Financing to 80% LTV

Even in today’s evolving market, we can deliver highly favorable rates and structures, and successfully close even your most challenging commercial real estate transactions. Our team has over 40 years of industry experience.

Eligible Properties Include:

  • Multi-family
  • Office
  • Retail
  • Industrial
  • Hotels and Motels
  • Self storage
  • Mobile home parks
  • Assisted living
  • Mixed-use
  • Restaurants

NEW – Ask about our Limited Doc Program up to $5m

About Us – We are anxious to work with borrowers, real estate agents, and originators of all types.

Partner Focused – Our team is dedicated to the highest quality of service. Our experienced team of finance executives always employ a custom approach to formulate a win-win for all parties.

Seasoned – Our executive team has 40+ years of commercial real estate finance experience. Our deep understanding allows us to easily navigate today’s complex property markets.

Programs – Our deep capital markets expertise allows us to provide pricing that can’t be beaten and solutions for every commercial borrower.

Ethics – Our charter is to form long term relationships with all of our partners. Our ability to formulate best of breed funding solutions is our core value.

To Submit Scenarios contact us by phone at 800-535-0270.

Why Is It The Perfect Time To Refinance?

Why Is It The Perfect Time To Refinance?

 Don’t miss your chance to refinance

Rates are low, but they may not be for long. Here’s how to tell if refinancing now is the right move for you:

  • If your interest rate is over 4%
  • If you have credit card or other high -interest debt
  • If you could use some cash for home improvements or other purchases
  • If you want to eliminate monthly PMI

Please feel free to reach out to us to speak with a licensed mortgage consultant.

Contact us today for a FREE consultation at (800) 535-0270 or email us here.

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