Residential and Commercial Direct Lenders, Stated, ALT-doc and Hedge Fund Loans

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Mortgage and Lending - American Lending, Inc. - Direct Lenders
CRE specialists, Portfolio, Private Money Lender based in California. Stated Income-Verified Assets loans. Lending on Commercial and Residential Assets in California and Nationwide. Stated Income-Verified Asset Loans, Alternative Documentation (ALT-doc) Loans - Cash-out Refi and Purchase up to 80% LTV | No taxes or w2's needed Stated Income, Private Money and ALT Documentation Mortgage Loan Products Stated Income - Verified Asset (SIVA) Loan Products for Residential - No minimum FICO needed for Stated HELOC's - just have no derogatory credit in the last 12 Months! 1) Owner-Occupied (for business purposes) Non-Owner Occupied and Second Homes - SFR's, 2-4's and Condos. 620+ FICO needed. SIVA Home Equity Line of Credit (HELOC) - up to 60% LTV - Loan amounts $150,000 - $1,000,000. 50% LTV to $1,000,000, 40% to $2,000,000 total outstanding 6.5% floor and start rate then Prime plus 2 floating. 18% lifetime cap. 10 year draw and then 15 year amortization Only available in the following California counties: Alameda, San Francisco, Santa Clara, Sacramento, San Mateo, Orange, LA and San Diego. 2) Stated Income - Verified Assets | Owner and Non-Owner Occupied | Self Employed Business Owners or W2'ed, No 1099s | SFR's, Second homes or PUD. 700+ FICO needed. Jumbo 417K - 2M Purchase or Refinance, Max Cash-Out Refinance to $400K 70% LTV to 1M, 60% LTV to $2.0M for Purchase, Cash out Refi and Rate and Term. 30 year am 5/1 ARM 5.40% Available in: California, CO, TX, VA, WA. Can be a Retail (general public) or an approved Broker submission. Fees are in the transaction except for upfront credit and appraisal.(+/- $600) Private Money, No Income-No Asset (NINA) Loan Product for Residential or Commercial 3) No Income, No Asset Purchase or Refinance Loan, Loan Amounts to $4,250,000. Private Money Loans for Owner Occupied, Non-Owner and Investment properties up to 70% LTV. Terms to 40 years and Rates from 8.49% and 2.5 points. Interest reserve options. 15 day close of escrow. Construction to completed 65% LTV Investor & REO financing - Any amount of properties allowed No mortgage or minimum FICO credit history required. In Bankruptcy or Foreclosure OK. Unlimited cash out. No title seasoning required, no upfront fees. Available in: California. Alternative Documentation (ALT-Doc) Loans 4) 12 Month Bank Statement Averaging Loan for Self-Employed Business Owners. Must be Self-Employed. 3, 5, 7 and 10/1 ARM's, 30 years amortization. Rates from the low 4's. Owner Occupied and Non-Owner Investment properties, SFR and 1-4’s. Borrow up to $4M for a purchase or rate and term refinance (Loan to value restrictions apply, up to 80% LTV). Cash-out refinance as well, all the way to $3.5M and up to 70% LTV, if the property and borrower meets all other criteria. Minimum FICO scores are 720 Qualifying - Using the borrower’s last 12 primary personal bank statements, we average the gross deposits, draws and wires from your business and use that as the income to qualify for the loan. Or using the borrower’s last 12 primary business bank statements, we average the net deposits, less withdrawals and use that as the income to qualify for the loan. 43% DTI based on deposits and debts on the credit report and with the new mortgage. No Taxes, w2's or 4506T required. We need 12 months PITIA reserves and the down-payment for the subject property seasoned in the bank for 60 days on Owner Occupied and 12 months reserves on all debt on Non-Owner. This loan is now available in the following States: AZ, CA, CO, DC, FL, HI, IL, MD, MT, NV, NJ, NY, NC, OR, SC, VA and WA.
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Compensation Plan  90% COMMISSION FOR ALL NMLS LICENSED MLOs   Mortgage Loan Originator sales positions are available. You can work from home or your own office or work from our Long Beach office.   American  Lending (www.Americanlendinginc.com) is a full service retail mortgage lender with an a...
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USDA    • Min. FICO: 640 • Purchase : 100% LTV • R/T: 100% LTV (Can only be used to pay off existing USDA lien) • Cash-Out - not allowed     or    Jumbo Stated Income-Verified Assets | Owner, Non Owner-Occupied and Second Homes | Self Employed or W2'ed | SFR's, Condos or PUDs. 700+ FICO needed. T...
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Bob Thompson, (562)344-LOAN | Stated Income & ALT-Doc

Direct Lenders - Residential and Commercial
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