ZERO DOWN PROGRAMS ~  No downpayment required.  Only the borrower pays for closing costs or can have the seller contribute a percentage of closing costs.  Programs vary with each private equity or hard money lender.

NO DOC/STATED INCOME - Loans where your income is not requested or verified with as little as 20% down are stated income loans.  There are several varieties of the "no-doc" loan today. Basically the type of loan that is best suited for a particular borrower depends on that borrower's situation. Some borrowers choose not to disclose employment, income or asset information, while others may be willing to disclose employment and asset information but not income. Still others might be willing to disclose even income but select a program that doesn't calculate debt-to-income ratios allowing those borrowers to exceed the traditional guidelines in order to qualify for a larger mortgage amount. With all the different variations of the no-doc loan, there is definitely a mortgage program for today's non-conventional borrowers.


INTEREST ONLY - Shorter term adjustable rate mortgage where borrower is not required to make payment on the principal.  Typical term is 6-12 months.  Interest payment escrows, no payment until term due, or immediate interest payment options available.

HIGH DEBT RATIO LOANS - Borrowers having the ratio of their monthly bills to their monthly income higher than 50% is considered a high debt ratio.  Loan programs are available for these borrowers, allowing them to finance the purchase of investment or commercial property.


RAW LAND - Building a project can be an exciting prospect - unless you get caught up in a construction loan approval process that's overly complicated and time consuming, particulary when land acquisition is thrown into the equation. With this loan we will finance up to 50% of the cost of land plus the costs of construction.

INVESTOR LOANS ~ Used for properties that will be solely for investment purposes. 

COMMERCIAL LOANS - Tier I Multi-Family Units & Mixed use.  Tier II Automotive, Bed&Breakfast, Light Industrial, Mixed Use, Office, Retail, Self Storage & Warehouse.  Tier III Funeral Home, Industrial, Flagged Hospitality.  Tier IV Daycare, Gas Stations, Health Care, Restaurtant, RV Park, and Unflagged Hospitality.

PRIVATE MONEY EQUITY/HARD MONEY LOANS - When traditional lending options aren't an option our Private Money and Hard Money programs allow for buyers or owners more flexibility in structuring their financial deals.

SBA 504 & 7A LOANS - The SBA 504 loan program is a cooperative venture between two lenders with the general purpose of providing 90% financing for business real estate. A Certified Development Company provides the Small Business Administration 504 loan. The loan is a second lien limited up to 90% CLTV. It features a fixed interest rate with a 10-year graduated, decreasing pre-payment penalty. The term is 20 years and the first loan can be any conventional loan arranged by a conventional lender. The SBA 504 loan (second lien) is an auction interest rate.  As for 7A, after we have obtained the SBA guarantee, our lender will make the loan with their own funds. This loan can be in first or second lien position and a term of 25 years is typical with 90% financing common for business real estate. Interest rates typically float over the New York Major Prime Rate.

BUSINESS ACQUISITION LOANS - Loans from $250,000 to $10Million and up to 90% financing.  We understand that intangible assets are often the most valuable in an acquistion - a customer list, a trademark,  a patent, or other goodwill.  We consider a company's true potential, then provide the kind of financing your acquisition needs for long term success.