Non Qualified Loans
Discover the financial flexibility you need with our non-qualified loans, tailored to meet the unique circumstances of borrowers who may not fit traditional lending criteria. As a lender committed to empowering clients, we understand that financial situations vary, and our non-qualified loans provide an alternative path to securing the funding you require. With competitive terms and a personalized approach, we prioritize your individual financial journey.
Our streamlined application process ensures efficiency without sacrificing thoroughness, offering a swift and reliable solution for those seeking non-traditional lending options. Whether you’re self-employed, have non-standard income, or a unique financial profile, our non-qualified loans open doors to homeownership and investment opportunities. Let us be your partner in navigating the diverse landscape of financial solutions.
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Rental Property Loans
Are you wondering how to get a loan for a rental property? We’re proud to offer term rental loans for real estate investors. These loans provide funding for buy and hold investors that want to start or expand their rental investment portfolio.
These rental loans are “doc-light” – no personal income verification required – and are available for inexperienced investors, assessing the deal based on the income-producing viability of the rental property.
There is no 1 size fits all approach here. We have a variety of rental loan programs available, and will choose the option that best fits your needs. This includes a no income verification rental loan, a max LTV program, a lowest rate program, etc.
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Renovation Loans
Unlock the full potential of your property with our tailored renovation loans, designed to empower homeowners and investors alike. As a trusted lender, we understand that every renovation project is unique, and our specialized loans reflect this commitment. Our financing solutions provide the flexibility needed to transform your property dreams into reality. With competitive interest rates and transparent terms, we prioritize your financial well-being.
Our streamlined application process ensures quick approvals, letting you embark on your renovation journey without delay. Whether you’re enhancing a beloved home or maximizing the potential of an investment property, our renovation loans offer the financial foundation you need. Elevate your property’s value and comfort with our dedicated support and financing expertise. Invest in your vision, and let us be your partner in turning renovation(s) into tangible, lasting value.
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Fix & Flip Loans
Are you wondering how to get funding for flipping houses? For fix and flip investors, quick access to financing is incredibly important. Grand Gate Capital’s fix and flip loan program and hard money rehab loans provide the funding for flipping that borrowers need to purchase and rehab a property, with the speed and flexibility you deserve.
There are various fix and flip loans available to real estate investors. When choosing whether to go with a conventional mortgage loan or hard money lenders for flipping houses, there are a few things to consider on how to get financing. Two great financing options for fix and flip real estate investors are a 203K loan and a hard money loan. A 203K loan is a conventional mortgage loan option for fix and flip investors that specializes in renovation or construction projects and is backed by the FHA. On the other hand, a hard money fix and flip loan is a real estate investment loan that is backed by a private lender instead of a bank.
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New Construction Loans
A new construction hard money loan for investors is a short-term loan used to finance the construction of real estate investment property. Like other hard money loans for new construction or renovations, a portion funds are distributed at closing to finance lot acquisition, and the rest are held in escrow. The construction funds held in escrow are distributed in arrears, or after certain phases of the scope of work are completed.
The scope of work is used to create a draw schedule, which designates at which stage of the project certain work will be completed, and at what cost. Once a particular phase, or draw, is complete an inspection is ordered to confirm the work has been done. As soon as the hard money lender gets the confirmation, the funds are distributed. This whole process usually takes about 3 days. This draw process helps both the hard money lender and the borrower by keeping the project on track and within budget.
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