Sub-Prime, Non-Prime and Non-Conventional Mortgage Loans – Alternative Doc (Bank Statement)

Loan QuoteWe base our loan qualifications on the property value, not on the borrowers’ credit; Stated Income, Sub-Prime, Hard Money and Bridge Loans. Whether you need to finance $50,000 or $15 million+, HBS Finance can fund your loan. We make it easy for you, no income verifications, no W-2s, no tax returns. At HBS Finance, even a small loan is a big deal to us. We do NOT charge Upfront Lender Fees and we also have one of the Lowest Rates and Fees in the industry read more

California Residential and Commercial Properties

  • 1 Day out of Short Sale, Bankruptcy & Foreclosure

  • Verification of Employment Only and Profit & Loss Statement Program for Self-Employed borrowers

  • Rates start from 5.75%

  • LTV up to 80%

  • No income, No doc, Rental cash flow programs

  • Bad Credit and No Credit – YES!

  • Bankruptcy, Foreclosure, Short Sale – YES!

  • Foreign National / Investor Flips / Fast Closing

  • Pre-Approval within 24 hours, Funding in Days

*Vacant Lot / Land Loan Financing Available

Stated Income Loans for Investment and Commercial Properties

• NATIONWIDE – Non-Owner Occupied Single Family Residence, 2-4 Rental Units, Multifamily, Mixed-use, Office, Retail, Warehouse, Self-Storage, Automotive
• Rates start from 6.99%
• Loan Amounts up to $5,000,000
• LTV up to 70%
• Minimum Credit Score 650
• 30 Year Loan / 30 Year Fully Amortized

General Lending Criteria
• Loan Size – Loan Amounts up to $15,000,000
• Location – Urban and suburban US properties. Major metropolitan areas only
• Collateral – 1st Lien Position on improved income producing (rental units, multifamily, mixed-use), industrial and commercial properties.
• Rates – From 8.99%
• Terms – 1-5 years, interest only or fully amortized
• Loan to Value – Class I: 70% / Class II: 65%
• Property Types
Class I: Rental Units, Multifamily (5+ Units) & Mixed-use
Class II: Office, Retail, Warehouse, Self-Storage & Automotive Services
• Eligible States: Arizona, California, Colorado, Florida, Georgia, Hawaii, Idaho, Nevada, Oregon, Texas, Washington
– Minimum population is generally 25,000 unless the town is within 25 miles of a city of 100,000 population.

Stated Income

Let us put our experience and expertise to work for you. Call us (310) 356-6500