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Need an Investment Property Loan?

We’ve funded over 1,000 loans in since 2014 and we can fund your deal as quick as 24 hours of securing a lenders title policy.

Fix & Flip, Rental or Small Commercial we can help.

Having difficulty getting approved for your home loan?

Just because a bank or a lender denied your home loan, does NOT mean it’s your fault!!

It means, either they don’t have an investor to buy your loan or they are likely too busy to do the work required for a manually underwritten loan.

As a broker, we have funded 100’s of manually underwritten loans…we work with you until we get you pre-approved and we find a loan option that works for your situation. 

-Self employed

-1099 commissioned

-Down to 580 Credit

-Divorce

-Trust Funds

-Less than 2 yrs on the job 

USA Private Money has
Access to 100"s of Banks & Lenders

*Responsible Alternative Lending for Non-Traditional Mortgage Borrowers.

*All loans require a down payment and proof of the ability to repay the loan, AZ or CA only.

Responsible Alternative Lending for Non-Traditional Mortgage Borrowers. 

*All loans require a down payment and proof of the ability to repay the loan.
Credit Score
Debt to Income ratio
Down Payment or Equity
620 or higher
Below 36%
5% down
When banks don’t sell their mortgages to investors, they’re free to set their own requirements — like a lower credit score, higher debt to income ratio but typically want more money down.
Credit Score
Debt to Income ratio
Down Payment or Equity

500 or higher

Up to 55%
5% to 10% down

-Self employed

-1099 commissioned

-580 Credit Score

-Divorce

-Trust Funds

-Less than 2 yrs on the job

-High Debt to income ratio

-Cash out refinance

-Zero Down with Grant Program

– Zero Down VA Loan

https://www.nbcnews.com/business/consumer/why-it-s-suddenly-more-difficult-get-mortgage-n1183266

Suddenly it’s more difficult to get a mortgage Why…interest rates are low and the banks are overloaded with applicants.

As of Tuesday, JPMorgan Chase is raising its borrowing standards for mortgages, requiring a credit score of at least 700 and a 20 percent down payment for most new mortgage originations. Last week, Wells Fargo raised the minimum credit score requirement for home equity lines to 720.

If you have money down, you are pre-approved!

we need a short conversation… 
a short mortgage application…

and will get you the best loan you qualify for!

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480-660-4 USA(872)

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