Hard money loans, often associated with higher interest rates and shorter terms, serve as vital financial tools for real estate investors and individuals requiring swift funding. These high risk loans, typically secured by real property, are provided by private lenders rather than traditional financial institutions. While they offer flexibility and rapid approval, borrowers often seek… Read More »
Homeowners looking to tap into their home’s equity often face challenges with traditional banks due to strict lending criteria. Fortunately, private home equity loan programs offer alternative solutions with more flexible approval processes. Whether you’re an investor, self-employed, or have unique financial circumstances, these private equity loan programs provide accessible funding options. Top 5 Private… Read More »
Owning a home is a lifelong dream for many, but the journey to homeownership isn’t always smooth. Traditional mortgage lenders often impose strict criteria that can make securing a loan challenging, especially for those with unique financial situations. If you’ve been turned away by conventional banks, a private home loan could be the solution you… Read More »
Securing the best apartment building loans in 2025 requires a strategic approach, given the evolving landscape of commercial real estate financing. 20 Tips to Get the Best Apartment Building Loans in 2025 The RefiGuide with match you with apartment loan lenders that offer the best interest rates and terms. The Federal Reserve has indicated they… Read More »
In the realm of real estate investment, securing financing is often a labyrinthine journey, with myriad loan options available. One such option is the Debt Service Coverage Ratio (DSCR) loan, which emphasizes a property’s income-generating potential over the borrower’s personal income. But what role do credit scores play in qualifying for a DSCR loan? Let’s… Read More »
Securing a no income home equity loan typically does not require the proof of income to demonstrate the borrower’s ability to repay the loan. Individuals without a traditional income stream—such as retirees, freelancers, or those with substantial assets but no regular earnings—obtaining such financing can seem as elusive as chasing the wind. No doc HELOCs… Read More »
An asset depletion mortgage loan is a unique financing option designed for borrowers with substantial assets but limited income. Unlike traditional mortgage loans, which rely on steady employment income, an asset depletion loan allows lenders to calculate a borrower’s repayment ability based on their liquid assets. What is an Asset Depletion Mortgage Loan? This alternative… Read More »
Homebuyers and real estate investors often wonder, can rental income be used to qualify for a mortgage? The answer is yes, but lenders have specific rules regarding how rental income is calculated and applied. Whether you’re an investor purchasing a new property or a homeowner looking to leverage rental earnings, understanding these guidelines is crucial.… Read More »
In the world of real estate investing, financing can often be the biggest hurdle. Traditional banks require extensive documentation, impeccable credit history, and strict lending criteria. But what if there was a way to bypass the bureaucratic maze and secure funding quickly? Enter no-doc hard money lenders, a financing solution for real estate investors who… Read More »
Borrowing a million dollars from traditional mortgage companies can be complex, but getting approved for $1,000,000 for a hard money loan can be an adventure. Securing financing for real estate investments can be a challenging and time-consuming process, especially when you’re dealing with large amounts like a million dollars. Traditional home loans often come with… Read More »
Bank statement loans have replaced the stated income programs that were so popular last decade. Banks and lenders have gained wisdom in recent years and rolled out bank statement mortgage loans that are less risky because they enable a borrower to prove that they can afford to make their monthly mortgage payment. The most popular… Read More »
Portfolio loans are a versatile and flexible mortgage option for borrowers who don’t fit neatly within the confines of conventional loan requirements. These portfolio loan options open up opportunities for financing unique properties and accommodating non-standard financial situations. It’s important to note that while portfolio loans offer more flexibility, each private lender has its own… Read More »
The stated income loan has become somewhat of an elusive mortgage program that streamlines the process. The stated income mortgage loan is very popular with self-employed borrowers that do not have a traditional income documentation with W-2s and pay stubs. Yes, there are alternative loan options for self-employed professionals to get a home loan without… Read More »
Opting for a 40-year mortgage enables you to spread your repayment over four decades to achieve a lower monthly payment. The 40-year loan deviates from the standard 30 or 15-year home loan terms. Whether you want a FHA 40 year mortgage or a 40 year home loan from a private money lender, the RefiGuide connects… Read More »
When it comes to leveraging the equity in your home, two less conventional options stand out: hard money home equity loans and Non-QM HELOC loans. Both cater to borrowers who may not fit the mold for traditional financing, yet their purposes, structures, and benefits differ significantly. Choosing between them requires understanding their nuances and aligning… Read More »
We have been getting a lot inquiries about hard money non QM loans. Up until recently hard money loans programs and non qualified mortgage products were separate but now their are some mortgage lenders rolling out a combination of the two. This article will explore the benefits and risk of hard money Non QM and… Read More »
Non QM loans continue to supply alternative mortgage products from private lenders. The non qualified mortgage world was created after the subprime lending world crumbled. Private money lenders, bankers and non qualified mortgage companies tightened up the loan programs with more efficient lending rules to develop the Non QM loan market. The RefiGuide can help… Read More »
The popularity of private money loans has soared because the real estate market and self-employed borrowers have increased the demand for alternative mortgages from private mortgage lenders. Private money lenders are a non-institutional source that provides home loans, mortgages and cash-out home equity lines of credit for people with all types of credit. Private money… Read More »
Construction loans are essential for financing the building of a new home, renovating an existing property, or undertaking major real estate projects. While traditional conventional lenders typically cater to borrowers who meet strict financial criteria, not everyone qualifies for these conventional loans. Enter non-QM construction loans: a flexible alternative designed for borrowers with non-traditional financial… Read More »
A rehab home loan, also known as a renovation mortgage, is a financing option that enables homebuyers and homeowners to fund both the purchase, refinance or home equity financing of a property and its necessary repairs or renovations through a single loan. How Rehab Home Loans Work The home rehab loan approach simplifies the financing… Read More »
Buying or selling a property often involves timing challenges, especially if a new purchase needs to be made before the sale of an existing property. In such cases, a bridge loan mortgage can serve as a financial lifeline, helping homeowners and businesses navigate the gap between two transactions. Guide to Bridge Loan Mortgages We published… Read More »
Hard money rehab loans are specialized financing options designed for real estate investors aiming to purchase and renovate properties, particularly those requiring significant repairs. Unlike traditional loans, the hard money rehab loan is an asset-based, focusing on the property’s value rather than the borrower’s creditworthiness. Everything You Need to Know About Hard Money Rehab Loans… Read More »
When it comes to securing financing for property purchases, two prominent loan options come to the forefront: Debt Service Coverage Ratio (DSCR) loans and conventional mortgages. Most first time home buyers choose a conventional mortgage. While many savvy real estate investors are choosing DSCR loans to purchase investment properties. Both options serve different types of… Read More »
Buying a home that requires renovation can be exciting, but financing both the purchase and renovation costs can feel overwhelming. Many prospective homeowners ask, “Can I add renovation expenses to my conventional mortgage?” Fortunately, the answer is yes, certain home renovation loan programs allow borrowers to bundle renovation costs with their mortgage, making it easier… Read More »
In the world of real estate investing, securing financing is often one of the most crucial and challenging aspects. Investors need to navigate a complex landscape of loan options, requirements, and terms. Among the many types of loans available to real estate investors, Debt Service Coverage Ratio or DSCR rental loans stand out as a… Read More »
Expanding your living space by adding on to your home can be a thrilling yet daunting endeavor. Whether you are considering about creating an extra bedroom, a sun-soaked family room, an ADU or a new wing to accommodate extended family, one question inevitably looms large: how do you finance a home addition? After all, home… Read More »
There are more than 14 million self-employed mortgage borrowers in the US, and fortunately for them, it is getting easier to get a no-tax return home loan. Many borrowers are asking about no tax return mortgage loans and stated income financing. Generally, guidelines in the last few years are getting easier for getting a home… Read More »
The RefiGuide published this guide for consumers to find the best fixer upper loan programs and get matched with banks, brokers and lenders that meet their needs. Buying a fixer-upper home can be an excellent investment, offering the opportunity to purchase a home at a lower cost and customize it to your preferences. However, getting… Read More »
Many Americans believe that quitting their job and going to work for themselves is a major part of the American Dream, just as much as owning their own home. The good thing is that today, it is possible to be self-employed and own your own home with attractive stated income mortgage products becoming available this… Read More »
There is a myth that persists in the mortgage lending world that you cannot get an FHA loan if you are self-employed. This is not true. While it is true that underwriters will scrutinize the self-employed mortgage application carefully, with proper preparation, a self-employed person can get qualified for a home loan insured by the… Read More »
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