Bridging Your Financial Goals: Residential & Commercial Bridge Loans

Our Residential Fix and Flip services empower investors and real estate enthusiasts to transform distressed properties into lucrative assets. With our support, you'll have access to competitive financing options, including quick approvals, to fund your property acquisitions and renovations.

• Valid and ratified sales contract (as applicable).
• Comprehensive appraisal conducted by one of our approved vendors, including three "as-is" property comparisons and three "After Repair Value" (ARV) comparisons, along with AS IS and After Repair Values.
• Tri-merged credit report with a minimum FICO score of 620.
• Satisfactory title report.
• Government-issued identification (Driver's License and Social Security Card).
• Entity documents (if an entity is chosen for the borrower).
• Bank statements for the most recent month, demonstrating sufficient funds for closing, along with sourced Earnest Money Deposit (EMD).
• Satisfactory insurance policy that adheres to all program guidelines.
• A proven track record through settlement statements.
• An acceptable plan detailing how you intend to exit the transaction before the term matures.
• Completed FCI ACH (Automated Clearing House) form.
• AML (Anti-Money Laundering) certification for beneficial owners of a legal entity (if applicable).
• Letter of Explanation (LOE) for any cash-out requirements (if applicable).
• Letter of Explanation (LOE) for addressing credit issues (if applicable).
• Detailed rehab/construction budget.
• Recent tax bill.
• AML certification for beneficial owners of a legal entity (if applicable).

Note: Second Appraisal Required when loan amount is >$1,500,000

Our ground-up construction loans are tailored to bring your building project to life. Whether it's a commercial development or your dream home, we provide the financial support you need from the very beginning.

• Valid and ratified sales contract (as applicable).
• Comprehensive appraisal conducted by one of our approved vendors, including three 'as is' comparisons, three ARV (After Repair Value) comparisons, as well as AS IS and After Repair Value assessments.
• Tri-merged credit report with a minimum FICO score of 620.
• Satisfactory title report.
• Government-issued identification (Driver's License and Social Security Card).
• Entity documents (if an entity is chosen for the borrower).
• Bank statements for the most recent month, demonstrating sufficient funds to close the deal, along with sourced Earnest Money Deposit (EMD).
• Satisfactory insurance policy in compliance with all program guidelines.
• A positive track record demonstrated through settlement statements.
• An acceptable exit strategy explanation outlining how you plan to conclude the transaction before the term matures.
• Appraisal.
• Completed FCI ACH (Automated Clearing House) form.
• Letter of Explanation (LOE) if cash-out is applicable.
• Letter of Explanation (LOE) for any credit issues, if applicable.
• Detailed and itemized construction budget, including the scope of work.
• Recent tax bill.
• AML (Anti-Money Laundering) certification of beneficial owners of legal entities, if applicable.
• RSRA (Property Condition Report) or Phase 1 Environmental Assessment.
• Desk review conducted by an approved commercial appraisal vendor.

For Refinance

• 12 Months VOM
• Payoff Demand

Our Commercial Bridge Loans provide swift and flexible financing solutions to bridge the gap in your commercial real estate investments. Whether you're looking to seize new opportunities, cover unexpected expenses, or enhance your property's value, our expert team is here to help.

• A valid sales contract, ratified (if applicable).
• A satisfactory appraisal ordered through one of our approved vendors, which includes 3 as-is comparable properties and 3 after-repair value (ARV) comparable properties, as well as an AS-IS value and an After Repair Value.
• A tri-merged credit report with a minimum FICO score of 620.
• A satisfactory Title Report.
• Government-issued Identification (Driver's License and Social Security Card).
• Entity Documents (if you choose an entity structure for the borrower).
• Bank statements for the most recent month, demonstrating sufficient funds to close, along with Sourced Earnest Money Deposit (EMD).
• A satisfactory insurance policy that aligns with all program guidelines.
• A proven track record, including settlement statements.
• An acceptable explanation of your exit strategy for the transaction before the term matures.
• Appraisal.
• Completed FCI ACH (Automated Clearing House) form.
• Letter of Explanation (LOE) for cash out (if applicable).
• Letter of Explanation (LOE) for credit issues (if applicable).
• Detailed and itemized construction budget with a scope of work.
• Recent tax bill.
• Anti-Money Laundering (AML) Certification of Beneficial Owners of Legal Entity (if the borrower is an entity).
• RSRA (Residential Site Risk Assessment) Report or Phase 1 Environmental Site Assessment.
• Desk Review required by an approved Commercial Appraisal Vendor.

For Refinance

• 12 Months VOM
• Payoff Demand

Turn your commercial property vision into reality with our rehab and construction loan solutions. No matter how unique a commercial project is, we're here to provide the financial support you need.

Our Commercial Debt Service Coverage Ratio (DSCR) Loans are tailored to empower your investments in a wide range of commercial properties, including multifamily apartments, mixed-use developments, office complexes, industrial facilities, hospitality establishments, medical centers, churches, and special-use properties.

• A valid, ratified sales contract (as applicable).
• An appraisal ordered through an approved Appraisal Management Company (AMC).
• A tri-merged credit report with a FICO score of no less than 660.
• A satisfactory Title Report.
• Government-issued Identification (Driver's License & Social Security Card).
• Entity Documents (if an entity is chosen for the borrower).
• Bank statements for the most recent month showing sufficient funds to close, along with the sourced Earnest Money Deposit (EMD).
• A satisfactory insurance policy that meets all program guidelines.
• 12 months of housing history.
• Management/Rental Management history.
• Lease agreements.
• An additional appraisal.
• A completed ACH (Automated Clearing House) form.
• Letter of Explanation (LOE) for cash out (if applicable).
• Letter of Explanation (LOE) for credit issues (if applicable).
• Recent tax bill.
• Anti-Money Laundering (AML) Certification of Beneficial Owners of Legal Entity (if in an entity).
• Exterior Only Broker Price Opinion (BPO).

For Refinance

• 12 Months VOM
• Payoff Demand