Our Loan Process

We’ve built our loan process to be straightforward, transparent, and efficient. Real estate investing moves fast, and your investor financing should keep pace. From the initial conversation to closing, we focus on clear communication and dependable execution in structuring your real estate loans.

Here’s what you can expect when working with us.

Step 1: Initial Conversation

Every deal starts with a quick conversation. We’ll review the property, your investment strategy, and your goals to determine the best loan structure for your project.

At this stage, we focus on:

- Property type and location

- Purchase price and budget

- Renovation or construction scope (if applicable)

- Exit strategy

This allows us to quickly identify whether the deal is a good fit.

Step 2: Deal Review & Term Structure

Once we have the key details, we evaluate the deal and outline potential loan terms. Our underwriting is asset-based and investor-focused, designed to support real-world strategies rather than rigid guidelines.

You’ll receive a clear overview of:

- Loan amount

- Estimated terms

- Program options available

No surprises. No unnecessary back-and-forth.

Step 3: Documentation & Underwriting

After moving forward, we collect the required documentation to finalize underwriting. The exact items vary by loan type but may include:

- Purchase contract or refinance details

- Scope of work and budget

- Rent roll or income information

- Entity documents (if applicable)

We keep requests reasonable and relevant to the deal.

Step 4: Approval & Closing Preparation

Once underwriting is complete, the loan is approved and prepared for closing. We coordinate with title, attorneys, and all parties involved to keep the process moving smoothly.

Our team stays actively engaged to ensure:

- Clear timelines

- Accurate documentation

- Efficient communication

Step 5: Closing & Funding

At closing, the loan is finalized and funds are disbursed according to the loan structure. For renovation or construction loans, future funds are released through an organized draw process as work is completed.

You walk away knowing:

- Your deal is funded

- Your project can move forward confidently

- You have a lending partner for future investments

Built for Investors

Our process is designed to support:

- Fix & flip investors

- Rental property owners

- Commercial residential investors

- New construction projects

We understand that no two deals are exactly the same, and we tailor our approach accordingly.

Let’s Get Started

If you have a deal you’re considering or just want to understand your options, we’re happy to walk you through the process and help you take the next step with confidence.