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Loan Evaluation and Consultation

• Assess borrower profiles, including unique financial situations, credit challenges, or unconventional income sources.

• Provide personalized advice and identify loan options suitable for challenging cases.

 

Specialized Loan Matching

• Connect borrowers with niche lenders who specialize in non-traditional or hard-to-fund loans, such as:

  • Subprime Loans: For borrowers with low credit scores.

  • Bank Statement Loans: For self-employed individuals using bank deposits to verify income.

  • Asset-Based Loans: Secured by personal or business assets rather than income verification.

  • Bridge Loans: Short-term financing for property purchases during transitional periods.

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Customized Financial Solutions

• Structure loan packages to meet unconventional financial scenarios, such as:

  • Low or no down payment options.

  • High debt-to-income ratio accommodations.

  • Solutions for borrowers with recent bankruptcies or foreclosures.​

 

Expedited Loan Processing

• Facilitate quick approvals and closings for urgent or time-sensitive funding needs.​

 

Credit Repair Guidance

• Offer advice or referrals to credit repair services to help improve borrower qualifications for better loan terms.​

 

Documentation Support

• Assist borrowers in compiling and presenting non-standard documentation, such as:

  • Bank statements.

  • Proof of alternative income sources (e.g., rental income, freelance work).

  • Letters of explanation for credit issues or gaps in employment.​

 

Portfolio Loans

• Connect clients with lenders who hold loans in-house rather than selling them to secondary markets, allowing for more flexible underwriting.​

 

Investor Loans

• Provide funding solutions for real estate investors, including:

  • Fix-and-flip loans.

  • Rental property loans.

  • Loans for properties that do not meet conventional standards.​

 

Non-Resident and Foreign National Loans

• Facilitate mortgages for non-U.S. citizens or foreign nationals with limited or no U.S. credit history.​

 

Advisory on Alternative Funding Options

• Explore unconventional funding avenues, such as private lenders, hard money loans, or crowdfunding platforms.​

 

Ongoing Support and Refinancing Options

• Offer post-loan support, including refinancing advice when borrowers’ financial situations improve.

• Provide strategies for transitioning to conventional loans when eligible.

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