800-247-8212 No tax returns, No W-2’s and No Balloons on our Stated Income Loans direct for Commercial business properties and Residential Rentals Investments – Nationwide.  Cash out – OK.   If you have been turned down by a bank or can’t provide three years of tax returns, self employed or have a few credit issues, you may still qualify for a easy doc stated income loan.  We provide 30 year fully amortized financing in almost every state in non-rural areas as long as you, your partner or spouse has a mid Credit Score of at least 620.   Call for a stated income loan today!

Our small balance loans start at about $100,000 and go up to $5,000,000.

We’ve been helping people finance their real estate properties since 1993 and specialize in non-owner occupied investment residential rentals and commercial owner occupied or non-owner business real estate of all kinds:

  • Commercial Offices
  • Medical Offices
  • Apartment Buildings
  • Light Industrial
  • Shopping Centers
  • Mixed Use Properties
  • Storage Centers
  • Warehouses
  • Office Parks
  • Strip Malls
  • Retail Shops
  • AIRbnb
  • Banquet Halls (interior photos required)
  • Day Care (interior photos required)
  • Residential 1 to 4 (non-owner occupied only – available in most states)
  • and more…

If  you are more in the need of a short term bridge loan of 6 months to 2 years contact us for Hard Money – Nationwide.  There are many reasons why someone may need a bridge mortgage instead of a 30 year fully amortizing term.  One is the owner may be thinking of selling the property in the near future or perhaps the owner is wanting to take advantage of a short payoff and needs fast funds.  Whatever the reason we can provide you with various options that may fit into your future plans.

Click on your State for specific information or contact us now by phone or email.  We’ll be able to tell you within minutes if we can help you purchase or refinance your real estate.  A conditional loan approval can be in your email in a matter of a few hours.  It usually takes 4 to 6 weeks to complete your stated income loan.

 What can you expect working with us?

You can expect fast, prompt service.  We’ll answer your calls and emails quickly.  We’ll keep you up to date with the process of your loan and you’ll never be left in the dark on whether you qualify.   We can’t guarantee we’ll be able to provide everyone with financing but we’ll do our best to help you achieve your objectives.

You can expect a Conditional Loan Approval within hours of providing us with your basic information.  After you’ve signed and returned the Conditional Loan Approval to us, we’ll order the appraisal on your property.  As soon as we receive the appraisal report, we’ll contact you with any remaining items requested by our underwriting team, that will be needed to complete the loan process.  Once all items are in the underwriting process is complete and the loan documents are sent to your closing agent.  Start to finish in a few short weeks.  Typical closing time is 4 weeks for residential investment and 6 weeks for commercial.  If you have an emergency that requires faster financing we may be able to provide Private Money which closes in about 2 to 3 weeks.

Stated Loans for Commercial available in: Alabama, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota,Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming*.

Disclaimer:  The rates, terms and conditions on this website are general guidelines and subject to change without notice. Impounds are required for property Taxes and Insurance.  Loans are assumable upon lenders discretion.  All individual loan requests will be considered on a case by case basis. (No residential investment lending available in Arizona, Alaska, New Hampshire, Idaho, Nevada, North Dakota, South Dakota, Tennessee, Vermont and Utah)

*Sorry but no Commercial financing available in Arizona, Hawaii, Illinois, Michigan, Minnesota, Nevada, North Dakota, South Dakota or Tennessee.