Our approval is based upon your credit history, credit scores, funds available, credit card(s) available balances, and the value of the property you want financed. We also look at the value of the property after it is repaired, the price you are paying for the property and the cost of repairs. We look for ways to finance your investment, not for ways to turn you down.

Within one or two business days after you have submitted supporting documents. We will advise you of your approval status. We do require an informal meeting with each first-time borrower prior to closing your loan.

We will obtain your credit report when you submit your initial loan application to us. Periodically, we will review your credit as your business relationship with us continues and your financial history changes.

Only if it has been 6 months or longer since your last application.

We will loan up to 65-70% of the After-Repaired-Value (ARV) based on an appraisal by one of our approved companies. This amount should cover the cost to purchase and repair the property and may include a portion of the closing costs.

Absolutely. We require you to submit an itemized estimate of work to be completed. This list of repairs will be used by the appraiser to determine the (ARV) After Repair Value of the property as well as your escrow draw schedule.

Costs associated with the closing of your loan will vary with each new property.These costs are determined by many things; the total amount borrowed, attorney's fee, and taxes just to name a few. For an estimate of your closing costs, try our mortgage calculator.

Under special circumstances a loan can be closed within 2 days, but on average, 7-10 business days.

Depending on the circumstances of the loan, we may be able to include part of the closing costs in the loan. Please refer to our mortgage calculator.

To better estimate your payment,input your loan and repair amounts in our mortgage calculator.

Absolutely. For your protection, an inspection is ordered every time a draw request is submitted. The inspector will verify that the designated repairs have been completed before payments are disbursed.

We can refer you to several mortgage brokers that specialize in permanent loan programs for real estate investors. We recommend you begin the refinance process while the repairs are underway. For mortgage companies our clients have used succesfully see Helpful Links.

We can refer you to several wholesalers who understand our property criteria and the parameters in which we loan. You may also utilize other sources such as GaREIA, local real estate agents, MLS service etc. Many of these resources can be located on the Helpful Links page.

Our policy is to start with one property until we have established a business relationship with you. After you have successfully completed your first loan with us, we can consider multiple loans.

Yes, once you are approved for a loan we will provide you with an appraisal request form so that you may order your appraisal.

Yes, a survey is required on all loans. Surveys are vital to protect you as well as your investment from unforeseen surprises. This enables us to confirm the boundaries of your property as well as any encroachments that may exist.

Yes, but additional insurance is required. A 12 month flood policy will be needed in addition to a regular hazard insurance policy.

Yes we do. Our financing of new construction projects follows the same requirements and provisions as our rehab loans.

We will consider multi-family homes, but they are not something we do on a regular basis.

Please contact us with your project information and we can discuss this with you to determine if it is a good fit for both of us.

Currently we service only the Metro Atlanta area, but we are constantly investigating new markets.