RESIDENTIAL REAL ESTATE LOANS

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

Most residential property considered
Multiple loan programs available.
Rates starting at 4.99%
$100k - $15M, close in 2-4 weeks!

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.

LOANS:

RATES:

TERMS:

LTV:

FICO:

$100k - $2.5M

5.49%+

30 years

≤ 75%

620+ (if less click here)

Loan Application

Credit Report

Photo ID

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.

LOANS:

RATES:

TERMS:

LTV:

FICO:

$100k - $5M

5.49%+

30 years

≤ 75%

620+ (if less click here)

Loan Application

Credit Report

Photo ID

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

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.

LOANS:

RATES:

TERMS:

LTV:

FICO:

$500k - $1.5M

4.99%+

30 years

≤ 75%

700+

Loan Application

Credit Report

Photo ID

Tax Returns

Bank Statements

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 -- only a 500+ FICO is needed. 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.

LOANS:

RATES:

TERMS:

LTV:

FICO:

$100k - $15M

6.99%+

up to 3 years

≤ 75%

500+

Loan Application

Credit Report

Photo ID

AL, AK, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, 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, UT, VA, WA, WV, WI, WY

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...

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.

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.

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.

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?

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