Scotsman Guide > Residential > Directories > Niche Lenders

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Jumbo Loans


Advancial Federal Credit Union
SFR, 1-4 family, condos, co-ops & condotels. Max loan amount $3M & cash-out up to $1.5M with a min 680 score. 3/1, 5/1 & 7/1 ARMS.
Lending Territory: NATIONWIDE

Agoura Hills Financial
AHF will consider loans with this criteria. We are an equity-driven private lender. No minimum FICO. Up to 60% LTV. Southern California only. Contact us today for a quick close!
Lending Territory: Southern CA 

Amerifund Home Mortgage
Jumbo & super jumbo is our specialty – story loans are OK – no max cash-out – primary, second home, investor, condo, co-op, 1 – 4 family, multifamily, unique uses such as large B&B etc.
Lending Territory: NATIONWIDE except AL, KS, KY, LA, MN, MO, MS, MT, WY

BofI Federal Bank
BofI offers jumbo and super jumbo niche portfolio loans. Features available include traditional exception-based credit decisions, asset-depletion underwriting and pledged-asset lending. Portfolio lending allows us to consider expanded property types including co-ops, condos, condo-tels, hobby farms, excess acreage, etc. BofI Federal will also consider loans made to foreign national borrowers and non-permanent resident aliens.
Lending Territory: NATIONWIDE

California TD Funding Inc.
No minimum FICO. We are an equity-driven direct private lender. Property types preferred are non-owner-operated 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 California

Citadel Servicing Corp.
Loans amounts up to $2M.
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
Loans up to $6M. LTVs up to 75%. 640+ credit. Non-QM, previous bankruptcy, foreclosure and short sale are OK. Loans are fixed rate.
Lending Territory: NATIONWIDE

FMC Lending 
Jumbo alternative lender. $50,000 - $12,000,000 loan limits. Direct private money lender - asset based. Fast 7-day close. No credit needed. Bad credit OK. 400+ FICO allowed. Bankruptcy allowed. Foreclosure bailout allowed. Debtor in possession allowed. No doc stated loan programs; non-owner or second home. No tax returns. No bank statements. All property types. All property conditions allowed. Same day approvals. 70-75% LTV. 80% case-by-case. 
Lending Territory: CA, CO, DC, FL, NC, TX, WA

Inner Core Capital
Loan amounts up to $5M on SFR NOO, 70% of purchase, 65% LTV refinancing. Equity-based decision private money loans throughout California. We lend to LLCs, corporations, foreign nationals, landlords and flippers.
Lending Territory: CA

Pacific Private Money Loans
Broker friendly with quick turn times and loan scenario responses. Same day LOII. Fast funding. Direct lender. Call or e-mail for more information on programs. Up to $20M loan size. Call and ask about our owner-occupied bridge loans with no DTI requirements!
Lending Territory: CA

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
Up to 90% LTV, max 59% DTI, minimum 580 FICO (lower with exception), consider primary wage-earners mid-score and max loan size $4M.
Lending Territory: NATIONWIDE except HI, MO, NY, UT, VA

Velocity Mortgage Capital
We'll lend up to $2M on residential investment properties. Up to 70% LTV, stated doc., no points, $100K - $2M, three or five-year fixed, 30-year amortization, no balloon. Rates are at par and can make up to a two-point rebate. 
Lending Territory: NATIONWIDE

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