Owner Builder - Construction Loan: Easy to qualify, build it exactly the way you want it. Be the "GC" and realize an unbelieveable construction savings and equity gain. Call your "Construction Specialist for details. Look for Home Plans and General Contractors, Subs, building material links below.

Renovation Construction Loan (Purchase/Refinance): Purchase a "Grand Estate" in a "As Is State" demolish or renovate into your Grand Mansion. Refinance your existing home and preform an "Extreme Make Over" based on finished value.  Increase the appreciative value of your home or community.

Builder Spec Construction Loan: PROGRAM SUSPENDED: Builders can now carry up to $1,500,000 line of credit. Easy to qualify for up to 4 loans great for Corp, Partnerships, LLC's. Call for details and pre-qualifying application. This is the perfect program for General Contractors wanting to expand their building portfolio.

Builder Subdivision Development Loan: PROGRAM SUSPENDED Builders expand your business. From 2 - 30 homes: Single Family and Multi-Family Homes up to $1 - $10 Million. For Georgia, North Carolina and Florida. Includes land acquisition, development and construction. Call for details and pre-qualifying application. 

Lot Loan Lending: Great loan for future construction of Primary residence and Second homes. Call for loan amount up to $1,000,000+, up to 50 acres and LTV's of 90%. Great programs to roll right into the construction of your "Dream Estate". Call for details today.

Bridge Loans for Construction Lending: Great program to pull the equity out of your existing home to offset the cash to close required on our Construction Loans. Bridge loan payments does not affect Construction Loan debt ratio. No monthly mortgage payments during construction!!

             Construction Project Example:

• Full Doc: If score is 660+ LTV up to 95% of "Subject To" value by treating the loan as a refinance (even if land is not owned yet).
• If score is 640 - 659, loan can be calculated as 95% of project/aquisition cost (when land is not owned) or 90% of "subject to" value (regardless of land ownership), which ever is advantageous to the you.

                           Score 660 +                                                                                                     Score 660+

Outstanding Mortgage on Land       $85,000                                                 Purchase Price of Land   $100,000 
Cost to Build                                   $300,000                                                Cost to Build                     $600,000  
Prepaids & Closing Cost                   $15,000                                                 Prepaids & Closing Cost     $18,000
Project/Acquisition Cost                 $415,000                                                Project/Acquistion Cost    $703,000

      Subject To Value                        $450,000                                               Subject to Value            $735,000

   92% Loan To Value - ($415k / $450k)                                             $735,000 X 90% = $661,500 (Max Loan)
Therefore, borrower will not bring any $$$$                                   Project Cost of $703,000 - $698,250 =
to closing !!!                                                                                           Borrower would bring $41,500 to closing.
 
Can be done as 80/15/5 with fixed rate 2nd                                              Can be done as 80/15/5 with fixed rate 2nd

   THE BEST LOT LOAN PROGRAM AROUND !!!!

• Lot Loans: up to 50 Acres for Primary Residence & Second Homes.

                LAND VALUES ARE SKYROCKETING CALL TODAY !!!!

• Fico's as low as 620, Loan amounts up to $1,000,000+ (Full Doc or Stated).

• Full Doc: $400K - 90%, $500K- 85%, $750K - 75%, $1,000,000 - 70%

• Stated Income: $400K - 90%, $500K - 85%, $750K - 70%, $1,000,000 - 65%

• Fixed Rates - 12 Mat Arm - Interest Only Arms available

CALL TODAY "LIVE CHAT"

•  Renovation Loans: Factor your construction cost into a Construction Refinance Project:

• Make room additions, update Kitchen & Bathroom (inclusive of appliances), add an In-Home Theater, Finish Basements, Flooring Upgrades (carpet, hardwood, marble and granite), Upgrade your Landscaping, Driveway, Front Entrance w/Electric Gates and Swimming Pools additions. Deferred maintenance of (Roofing, Painting, Stucco, Gutters, Stone work).

• Bring out the true appreciative value of your home up.