Real Estate Lending

Are you an experienced real estate professional and rehabber with a track record of flipping homes, but have been told no by the bank? Maybe the bank works with you, but you are tired of providing the mountain of information for each loan request? Or perhaps you are a contractor who has been doing rehab projects on a fee basis for others, and now you are ready to take the risk and yield the returns from buying, renovating, and flipping a home.  Maybe you have a day job and like to do these projects on the side to make extra money.  Don’t pay 5%+ in up-front fees and credit card interest rates from a “hard money” lender.  We have lenders who bridge that gap in rates and terms between the tough to obtain and slow to close bank financing and the private lender that has very high fees and rates.

The banks are getting more conservative on construction and development lending, particularly anything that is speculative.  Get off the roller coaster with the bank’s wavering interest in doing business with you, or their trying to run your business and tell you what product to build and where to build it.  Our lenders are consistent in providing access to funding, and they are able to cut to the chase with the information needed to make a decision. Stop providing a mountain of information to a bunch of banks, hoping to get a yes!

If you meet all the criteria for bank financing, we'll leverage our extensive network of commercial bankers to secure the best financing rates and terms for you. While you can obtain a loan from your bank, we'll find the most competitive deal in town for you to consider.

If your business faces challenges, such as personal credit issues, financial losses, or thin capitalization, we can connect you with asset-based lenders who offer greater flexibility and higher risk tolerance. These lenders don't require the extensive documentation typically demanded by banks, such as tax returns, projections, and business plans. They provide programs like bank statement financing and make decisions within a day or two, rather than a month or two.

We have lenders who are very creative and flexible in providing short-term loans that cover a number of situations, such as:

• Purchase and rehab of a package of rentals to be rented and flipped into a long-term fixed rate loan
• Utilizing equity in one or more properties in lieu of a cash down payment for a new purchase or rehab of an existing property
• Purchase of underperforming multifamily property to stabilize and flip
• We even have lenders who will take equity in real estate to provide short-term working capital for businesses until they are able to stabilize and obtain better long-term financing options.

We partner with national church real estate lenders who offer rates and terms to compete and beat any bank, although with the expertise and the appetite to aggressively pursue these loans.  Banks often shy away from church real estate for the fear of bad PR from having to foreclose on a church.  Church lenders don’t lose sleep over this because churches and religious institutions do what they say they are going to do and fulfill their obligations.  With the track record of performance on these loans, the lenders are therefore able to offer those very attractive rates and extended repayment terms to position your church for success!  As people of faith ourselves, we are thrilled to be aligned with these great lenders to support all the good people spreading the good word.