FHA, VA, & Conventional Program

low rates on a fha loan

Conventional Loan Products: FHA, Conventional, and VA Programs

Rates updated daily at 11 AM Eastern

Market rates trending between 3.50% – 4.50% on various programs

Apply Today Below (a loan officer will reach out to you shortly to pair you up with the best program for your specific need)

Hard Money – Asset Based Loan Program

Mortgage application form for a hard money asset based lending loan on real estate

Rates Starting at 7.99%*

Points as low as 1.75* (Depends on the Risk and Loan Amount)

1-3 Year Term Interest Only with a Balloon Payment at the end of the Term

Non Owner Occupied/Business Use/Investment/Commercial Properties

Up to 70% LTV based on the Purchase Price or Appraisal (if Refi)

No prepayment Penalty*

Quick 7 day closing once title and appraisal are complete

No Verified Income Docs Required or Tax Returns Needed

Minimum Loan Amount of $100,000

Lending available nationwide on Commercial loans

Must be Commercial in nature & Excluded from Federal Guidelines*

Rehab – Fix & Flip Program – Investment Properties

Real estate investment mortgage on fix and flip property

Up to 90% of purchase price can be financed

Up to 100% of renovation budget can be financed

Rates from 7.25% to 10.99% (depending on credit & experience level)

12 month term (with option to extend another 6 months)

Minimum total loan amount of $75,000

No maximum loan amount (Typical deal size $100,000 – $5,000,000)

1.99 – 3.99 Points (Can be financed by the lender)

Closing Costs can be financed

Asset Type: Single property, portfolios, SFR, condos, townhomes, 2-12 unit multifamily, commercial on a case by case basis

Owned or to be Purchased in an Entity

Zero junk fees – Application Fee is only $299

NO Prepayment Penalty!

Qualifying Criteria – FICO >550, No Previous experience required (lower LTV if no experience), No foreclosures, short-sales or bankruptcies in the past 4 years, No involuntary liens or judgments, No felonies or financial fraud.

Self Employed – Bank Statement

Non-Conventional Program

bank statement mortgage financing

No Tax Returns/Transcripts Required

Bank Statement Deposits Used To Qualify Gross Monthly Income

Need 12 – 24 Months Bank Statements (Personal Or Business)

Loans Up To $3 million (Min Loan Amount $125,000)

Location: Florida Only

Credit Scores Down To 550

Rates Starting at 5.25% (1.75 – 2.5 Points which can be paid by lender)

Personal To 90% LTV (No MI), Business To 80% LTV

DTI up to 45% Considered With 660+ Credit Score

Owner-Occupied, 2nd Homes, Investment Properties Allowed

2 Years Seasoning Foreclosure, Short Sale, BK, DIL

Non-Warrantable Condos Considered

5/1 ARM, 7/1 Arm, Or 30-Year Fixed (No Interest Only)

No Pre-Payment Penalty For Owner-Occupied And 2nd Homes

Property Types: Condos, 2-4 Units, SFR

Rental – Investor Cash Flow Program

single rental property loan and mortgage rental portfolio

Rates Starting at 5.50% (1.5 Points which can be paid by lender)

No Personal Income Used To Qualify

Qualification Based On Property Cash Flow

Credit Scores Down To 660

Up To 75% LTV (Up To 80% NOO On Other Programs)

No DTI Restrictions

5/1 ARM Or 30-Year Fixed (Interest Only Option Available)

Must Have Housing History And Own A Primary Home

SFRs, Town Homes, Condos, 2-4 Units

No Limit On Number Of Properties Financed

Loans Up To $5 Million (Minimum $75,000)

Unfavorable Credit or Housing History

Non Prime Program

mortgage loan for bad credit borrowers

1 Day Out Of Foreclosure, Short Sale, BK, DIL

Rates Starting In The 5’s

1.75 – 2.25 Points which can be paid by lender

Loans Up To $1 Million (Over $1M Case By Case)

Credit Scores Down To 500 (Including Jumbo Loans)

Location: Florida Only

Up To 85% LTV With No MI

Mortgage Lates Are OK

100% Gift Funds Allowed

DTI Up To 50% Considered

Owner-Occupied, 2nd Homes, Investment Properties

5/1 ARM Or 30-Year Fixed

No Pre-Payment For Owner-Occupied And 2nd Homes

No Active Tradelines OK With Housing History

SFRs, Townhomes, Condos, 2-4 Units

Seller Concessions To 6% (2% For Investment)

Non-Warrantable Condos Considered

Up To 100% Investor Concentration Allowed

Good Credit – Portfolio Program

good credit borrowers mortgage lending

Rates Starting In The 4’s

Up To 90% LTV With No MI

1.5 – 2.25 Points which can be paid by lender

2 Years Seasoning Foreclosure, Short Sale, BK, DIL

Loans Up To $2 million (Minimum Loan $75,000)

Credit Scores Down To 620

Cash Out For Reserves OK

Gift Funds Allowed

DTI Up To 50% Considered

Owner-Occupied, 2nd Homes, Investment Properties

Interest Only Program Available

5/1 ARM Or 30-Year Fixed

No Pre-Payment Penalty For Owner-Occ And 2nd Homes

SFRs, Townhomes, Condos, 2-4 Units

Seller Concessions To 6% (2% For Investment)

Non-Warrantable Condos Considered

Up To 100% Investor Concentration Allowed

Location: Florida Only

Foreign National Program

foreign national lender and mortgage loan for foreign national purchaser in the USA

Up To 75% LTV (Purchase Or Refinance)

Rates starting in the 6’s

1.5 – 2.25 Points which can be paid by lender

No US Credit Required

12 Months Reserves Required

Reserves Can Remain In Foreign Account

DTI Up To 50% Considered

Fewer Country Restrictions

No SSN Or ITIN Required

SFRs, Townhomes, Condos, 2-4 Units

Non-Warrantable Condos Considered

ARM Or 30-Year Fixed

Loans Up To $750,000 (Higher Amounts Case By Case)

Minimum Loan Amount Down To $75,000

Location: Florida Only

Contact Us

For immediate help please email david@capitalfundingfinancial.com OR call 954-320-0242.

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