RESIDENTIAL REAL ESTATE LOANS

Stated Income No-Doc Full-Doc Hard Money & Bridge

Commercial Real Estate Loans - 30 year Fixed Rate Commercial Loans - Stated Income Loans - Commercial Bridge Loans - Commercial Hard Money Loans
Most residential property considered
Multiple loan programs available.
Rates starting at 4.25%
$100k - $15M, close in 2-4 weeks!
Oracle Loans - Startup Business Loans for Bad Credit

Residential Real Estate Loan Programs

FundingPilot understands the high demand for flexible residential real estate lending. Whether you're looking to purchase an investment property, or need to refinance, we have the perfect loan program to meet your residential real estate lending needs. Please keep in mind that the use of funds must be for investment or business purposes.

 

There are four main residential real estate loan programs; a Stated Income Loan which bypasses income verification but still comes with a 30-year term, the No-Doc Loan which also bypasses income documentation (tax returns, bank statements, etc) and bank statements for most scenarios, a Full-Doc Loan which offers the best interest rates, and lastly our Hard Money / Bridge Loan which focuses solely on the asset (your property) offering true flexibility with regards to underwriting since there's no income verification and low credit score requirements. All of our residential loan programs offer a "makes sense" approach, undergo human underwriting (no computers / algorithms), and is perfect for real estate investors both big and small, seasoned or first-time.

ELIGIBLE PROPERTY TYPES:

Single Family, Multifamily (2-4 units), Condo, Townhouse

 

Please see below for an overview of each of Residential Real Estate Loan Program. See a loan program that looks like a good fit? Applying online only takes a few minutes!

Stated Income Loans are a great options for borrowers looking to avoid income documentation or verification, but still seeking an extended 30-year term. Bank statements are generally not required for refinance transactions, however, purchase transactions will require proof of funds to close.

OVERVIEW

LOANS:

RATES:

TERMS:

LTV:

FICO:

$100k - $2.5M

5.24%+

30 years

≤ 75%

620+ (if less click here)

APPROVAL

Loan Application

Photo ID

LENDING TERRITORY

AL, AK, AR, CO, CT, DE, DC, FL, GA, HI, IL, ID, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, VA, WA, WV, WI, WY

No-Doc Loans offer residential real estate borrowers the best loan terms, such as the lowest interest rates available. Just like the name of the program, this loan will require full-documentation such as tax returns and a bank statements. Additionally, these properties should have stable cash-flow and be located in or near a major metropolitan area.

OVERVIEW

LOANS:

RATES:

TERMS:

LTV:

FICO:

$100k - $5M

4.25%+

30 years

≤ 75%

550+

APPROVAL

Loan Application

Credit Report

Photo ID

LENDING TERRITORY

AL*, AK*, AR, CO, CT*, DE, DC*, FL*, GA*, HI*, IL*, ID, IN*, IA, KS*, KY*, LA*, ME*, MD*, MA*, MI*, MS*, MO*, MT, NE*, NH*, NJ*, NM*, NY*, NC*, OH*, OK*, PA*, RI*, SC*, TN*, TX, VA*, WA, WV*, WI*, WY

*states with an asterisk require a 600 credit score

Full-Doc Loans are great for those who have good credit and can provide income documentation via tax returns, along with bank statements. This loan program offers the lowest interest-rates to ensure the cost of capital is kept minimal, resulting in a maximal ROI from a financial standpoint.

OVERVIEW

LOANS:

RATES:

TERMS:

LTV:

FICO:

$500k - $1.5M

4.99%+

30 years

≤ 75%

700+

APPROVAL

Loan Application

Credit Report

Photo ID

Tax Returns

Bank Statements

LENDING TERRITORY

AL, AR, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, VA, WA, WV, WI, WY

Hard Money Loans offer flexible qualifying guidelines being that there's no income documentation couple with being credit score friendly -- properties in certain states even have no minimum score requirement! Payments are also kept lower since the Hard Money Loan program offers interest-only payments. Ultimately, a Hard Money Loan is perfect for those seeking short-term financing.

OVERVIEW

LOANS:

RATES:

TERMS:

LTV:

FICO:

$100k - $15M

5.5%+

up to 30 years

≤ 75%

500*

APPROVAL

Loan Application

Credit Report

Photo ID

LENDING TERRITORY

AL*, AK*, AR, CO, CT*, DE, DC*, FL*, GA*, HI*, IL*, ID, IN*, IA, KS*, KY*, LA*, ME*, MD*, MA*, MI*, MS*, MO*, MT, NE*, NH*, NJ*, NM*, NY*, NC*, OH*, OK*, PA*, RI*, SC*, TN*, TX, VA*, WA, WV*, WI*, WY

*states with an asterisk require a 600 credit score

Oracle Loans - Residential Real Estate Loans for Investors - Stated Income Loans, Bridge Loans, Hard Money Loans

Here at FundingPilot we make sure to go above and beyond the traditional commercial lending criteria. We have unique commercial real estate lending programs, which gives you immediate access to the capital you need. We provide a fast, easy, and efficient funding process so that real estate investors, like you, can focus on the most important thing...growing your business.

 

We treat you like a partner, not just a customer, and will handle your commercial real estate lending requests with the utmost respect and confidentiality. We take great pride in learning and understanding the needs of your business, which is why we are constantly striving to provide the best quality service. Please take a few minutes to explore our website and give us a call to obtain all of the information you need to make an informed decision.

What to expect...

What to expect...

Comercial Real Estate Loan Flexibility - Oracle Loans

FLEXIBILITY. No more needing to go from bank to bank trying to find commercial real estate loans, we cover it all. Whether your credit is strong or poor we have commercial real estate lending programs to meet your capital needs.

Commercial Real Estate Loan Speedy Approval Process

SPEED. We save you lots of time when looking for a commercial real estate loan. You answer a few questions and we show you your options. We make getting a real estate loan simple and fast.

Commercial Real Estate Loan Experts - Oracle Loans

FOCUS. We're 100% focused on commercial real estate investors like yourself. We deliver results nationwide and have funding specialists available 6 days per week.

Commercial Real Estate Lending with Integrity, Oracle  Loans LLC

TRUST. We take care of you every step of the way. Our commercial real estate lending advisors believe in your business and care about your success. It’s an experience you’ll tell your friends about, guaranteed! Did we mention our A+ rating with the Better Business Bureau?

Oracle Loan funds $9.2M multi-unit apartment building with commercial real estate loan.
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ADDITIONAL LENDING PROGRAM QUICK LINKS
FundingPilot is making waves! Just a few places you'll find us:
DailyFunders.com - Approved Loan Lenders - Oracle Loans
Zillow Mortgage Lenders - Oracle Loans - Residential Real estate Investor Loans
Trulia.com - Trulia Mortgage Loan Lenders - Oracle Loans
AngiesList.com - Loan Lenders - Oracle Loans
Oracle Loans - deBanked.com - Approved Loan Lender

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