We Provide Private-Capital Liquidity for Credit-Worthy Borrowers Who Are Locked out of the Market

Lending has had a rocky road in the 2000s, which led to much-needed stricter lending rules. But with those new rules and regulations, many who are credible borrowers have been locked out of the market with no recourse. We see potential in every loan applicant and work to find solutions they can’t get with traditional lenders. Our goal is to do all that we can, in a financially responsible way, to allow credit-worthy borrowers a chance. If you have someone who doesn’t fit in a box, we’ll take into account more than just scores and numbers and find a way to make it work.
Private-Capital Liquidity for Credit-Worthy Borrowers
Credit-Worthy Borrowers

Where We Differ From Traditional Lenders

Loan amounts up to $5M
Cash-out proceeds up to $1M
Term fixed rates 30-year
LTV up to 80%
Debt ratios up to 55%
Bank statements Personal and business
Bank statement mortgage loans for self-employed borrowers
Condos Non-warrantable
Non-owner Investment/Foreign Nationals
Owner-occupied Primary, 2nd Homes, Vacation Homes
borrow money from traditional lenders
Hard Money Option​ in Charleston

Hard Money Option

Not everyone who is credit-worthy can borrow money from traditional lenders. In fact, a good majority of people who can repay loans are never allowed the chance.

Hard money loans are asset-based commercial loans where the borrower either has a significant down payment or owns real estate that they can offer as collateral to put towards the purchase of a non-owner-occupied property.

Hard money loans make funding available faster without the exorbitant income documentation. Where other traditional lenders cut things off, we are just beginning. Let us show you our creative lending solutions!

Easy Loan approved

Hard Money Offerings

  • Land loans
  • Multifamily and AirBnB loans
  • Fix & Flip and cash-out loans
  • Rental property loans
  • Construction loans
  • Flexible terms from 3 to 60 months
  • Up to 90% as-is value, 100% of rehab costs
Hard Money Offerings

Bank statement loans

Bank statement loans are sometimes referred to as “self-employment mortgages.” They allow someone to borrow money without the documentation required by traditional lenders, like tax returns and W2s.

Foreign national loans

American citizens looking to purchase a home in the United States can sometimes find it difficult to get approved for a traditional loan. Foreign National Mortgage Loan programs are available from some lenders, and they work like other loans.

Interest only loans

When you take out a traditional loan, the monthly payments that you make go toward both your loan balance and interest costs. If you keep up with interest charges, you will gradually pay down the debt you owe.

Jumbo loans with 5% down

A jumbo mortgage or a jumbo loan is one that exceeds the Federal Housing Finance Agencies’ limits. They cannot be secured by institutions like Freddie Mac or Fannie Mae, which makes them much riskier for lenders to take on.

Asset based loans

An asset-based loan is a business loan that is based on a company's assets, usually inventory and accounts receivable, being used as collateral. You use your current financial revenue as leverage for borrowing.

Recent credit event loans

If you have a recent event that has damaged your credit score, it can be difficult to secure a loan. And even if you can borrow, the interest rate will typically be much higher due to the event.

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HomeSpring Mortgage Today