Scotsman Guide > Residential > Directories > Niche Lenders

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ACC Mortgage Inc.
ACC Mortgage will finance applicants with recent bankruptcy, short sale or foreclosure; 0 day seasoning requirement is available! Loan size is 100K+. Brokers protected.
Lending Territory: NATIONWIDE

Amerifund Home Mortgage
We'll lend on these types of borrowers up to 80% LTV, no prepay, $500K - $20M, five-year (5) fixed int. only, 30-year amortization, no balloon. Rates start at 5.75%. Niche lending at its core – common-sense – primary, second, investors, foreign nationals, condo, co-op, 1 - 4, multifamily, mixed…all are OK.
Lending Territory: NATIONWIDE except AL, KS, KY, LA, MN, MO, MS, MT, WY

California TD Funding Inc.
No minimum FICO. We are an equity driven direct private lender. Property types preferred are non-owner-occupied SFR, multifamily & commercial. 65% LTV or less in Southern CA is ideal. All loans are fixed rates and usually contain no prepay penalties.
Lending Territory: Southern CA

Capital Benefit
FICO is not an issue. Borrower needs to show income to support loan request.
Lending Territory: CA 

Citadel Servicing Corp.
No foreclosure or bankruptcy seasoning.
Lending Territory: AZ, CA, CO, FL, GA, ID, NC, OR, TX, UT, VA, WA

No-doc loans from $15K-$1M, 17-yr. term. Aggressive rates, high LTVs, no prepays or balloons. Loans to self-directed IRAs and transaction funding. 24-hr. funding. No appraisals needed. Fire insurance only.  
Lending Territory: NATIONWIDE ex. AK, AZ, CA, ND, NV, NY, OR, SD, UT, VT 

First National Bank of America
No minimum FICO required. No seasoning required on bankruptcy or foreclosure. Property types include single family, 2nd home, single family rental, condo, multifamily, mobile home with land (both single and double-wide) and vacant land. LTVs up to 80%. Loans are fixed-rate.
Lending Territory: NATIONWIDE

FMC Lending
Direct private money lender - asset based. Fast 7-day close. No credit needed. 400+ FICO allowed. Bankruptcy allowed. Past foreclosure allowed. Foreclosure bailout allowed. Debtor in possession allowed. No doc stated programs; non-owner or second home. No tax returns. No bank statements. All property types and conditions allowed. Same day approvals. 70-75% LTV.
Lending Territory: CA, CO, DC, FL, NC, TX, WA

Patch of Land
600 minimum FICO. Up to 85% LTV, up to 75% ARV. 12-month term, extensions available. Fixed rate, I/O. No prepayment penalties. Non-owner-occupied investment properties. Fix-and-flip, 1-4 unit residential. Mixed use. Commercial.
Lending Territory: NATIONWIDE except AZ, MN, NV, SD, UT

PSG Capital Partners Inc.
We lend primarily in Southern California: LA, Riverside, San Diego and Ventura counties.
Lending Territory: CA 

Sprout Mortgage
1-day out of BK, FC or SS. Max loan size $800K, but exceptions are considered. Max LTV dependent upon FICO, date of significant credit event, housing payment history and loan size.
Lending Territory: NATIONWIDE except HI, MO, NY, UT, VA

Western Development LLC
Hard money. Investment properties only. 5-year term with no prepayment penalty or upfront lender fees. Ready to fund 3 business days from receipt of completed package.
Lending Territory: DC, MD, VA

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