We have no credit score requirements, we will look at all levels of credit, assuming there is equity in the project or cash to the table.

Yes, we will consider owner/builder.

We have the ability to finance developments; we can include all infrastructure costs. This can be done either in phases or all at once.

We have no maximum loan amount and will consider smaller loans

Yes, we provide curbside funding for all modular and manufactured home

We will consider any type of property. If the property is going to be refinanced and held by the borrower the loan is subject to the borrower qualifying for conventional take out financing.

Disbursements checks are written Monday, Wednesday and Friday. We prefer to write smaller checks more regularly to help with cash flow.

There are no pre-pay penalties, we write the majority of our loans for one year, they can be paid off at any time

Yes, if we are not basing the loan on equity to the project, we look for the client to have 10-15% cash to the table. We will also consider cross collateralizing with other properties

Assuming there is enough equity in the property, we can consolidate other debts.

We offer both full doc and stated income programs.

The rate you receive includes many factors, some of those factors are your: credit, property type, documentation level, and loan to value (LTV).

We can close in as little as one week; however, it depends on how fast you can provide us with documentation.

Closing costs vary in accordance with the loan amount and the lender we use. However, we are highly competitive and when you call us toll free, we can provide you with an accurate quote for your personal situation.

We offer over 200 programs, which allow us to find a program that best meets your individual circumstances. Some of our most popular programs include: 30/20/15/10 year fixed, adjustable rate mortgages, interest only loans, 40/ 50 year mortgages, construction loans, commercial loans, and mobile home financing in park coops and land. This however is only a small offering of what is available.

Yes, this depends on your documentation level and credit score.

If it?s a refinance, the appraisal would have to be paid up front, the rest of the closing costs could be rolled into the loan, however if it is a purchase, the appraisal would have to be paid up front, and homeowner?s insurance would have to be paid one year in advance.

Whether or not you have a prepay penalty is directly related to your credit score and your personal scenario, however we can offer numerous loans with no prepay penalties whatsoever.

Yes, we the have the ability to work with NH housing finance authority and also offer VA and FHA loans.

LTV stands for ?loan to value? This number is computed by dividing the loan amount by the appraised value of the house.

We have programs that range from full documentation to no documentation.