Mini-Perm Loans

Needs vary, so it is important that our clients have options. Hard Money Loan terms are sometimes too short, but an Investor still needs an alternative to Conventional financing. Need to bridge the gap between Hard Money and Conventional?
Go Mini-Perm.



​General Underwriting Requirements
Must be non-owner occupied.
Credit check (min. score of 650) and Appraisal must be completed. 
Required Documentation: Personal Guaranty, 1003 Loan Application.
Income verifications and tax returns are NOT required. 
The terms below are general and do not indicate a quote. For an official quote, please call or submit a request by clicking below. 

RESIDENTIAL

Property Types

Loan Term

Origination Fee
SFR, Condo, 1-4 Unit
30 year, 5/1, 7/1
0-2 points

Loan-To-Value (LTV)

Amortization

Loan FEE
75% refi / 80% purch
interest only or 30 year amort
$1,650

BORROWER QUALIFICATIONS

Interest Rate

Pre-Payment Penalty
660+ FICO, 3yr no derogatory, no personal income or tax return requirements, lender-ordered appraisal
5.2% - 8.5%
*Rate buy-down available
None, or Step-down

COMMERCIAL

Property Types

Loan Term

Origination Fee
5+ Unit Multifamily, Mixed Use
3 year or 8 year fixed
0-2 points

Loan-To-Value (LTV)

Amortization

Loan FEE
70% max
30 year term
$2,995

Combined LTV (CLTV)

Interest Rate

Pre-Payment Penalty
75% max
8.25% - 10.25%
3yr loan: 5%/yr
8yr loan: 5%/yr for 5 yrs only
*Rate buy-down available.