Getting Pre-Approved Through PhoneOps:

It takes about 5 minutes of your time. You are able to get Pre-Approved for the programs of your choice by clicking on the program and completing the online application. All Loan Products have a $45 Pre-Approval Fee and is due when completing the online application. You have the option to pay through PayPal, the link for this is at the bottom of this page.

 

 

Turn-Around Time:

Standard Turn-Around time is up to 72 Business Hours for us to get to your application as we process applications in the order in which it was received. From that point, it can take up to 24 Business Hours for a "Pre-Approval" and that's after we received your full application and the required documents that's on the "Check List". After completing the online application, you'll be directed to a "Confirmation Page"  and there you'll get the Check List and the link to upload your documents. 

 

 

 

CLICK HERE FOR DOCUMENT SUBMISSION!

 

 

loan products 3 OF 15

HOME PROGRAM  

BLANKET LOANS

 

 

BUSINESS LOANS

 

As low as 500 Mid Score  

As low as 600 Mid Score

 

No personal collateral (case by case)
$30K & Up  

$500K to $10M

 

$2,500 to $500K
Up to 100% LTV  

Up to 75% LTV

 

As quick as 1-day Closing
1st, 2nd & 3rd Time Buyers  

Multiple Properties under 1 Loan

 

Any type of Business can apply
As low as 4.25% Fixed Rate  

5%-8% Fixed Rates

 

Fixed Rates (Vary)
COMPLETE APPLICATION COMPLETE APPLICATION  

COMPLETE APPLICATION

 

 

 

 

LOAN PRODUCTS 6 OF 15

CONSTRUCTION LOANS REHAB LOANS  

COMMERCIAL LOANS

 

No Set Minimum FICO No Set Minimum FICO  

As low as 600 Mid Score

 

$50K to $500M $50K to $3M+  

$100K to $500M

 

12mo to 60mo Term (case by case) 3mo to 24mo Term  

12mo to 60mo Term (case by case)

 

No Pre-Payment Penalties No Pre-Payment Penalties  

No Pre-Payment Penalties

 

As low as 8% Fixed Rate As low as 12% Fixed Rate  

As low as 8% Fixed Rate

 

Up to 100% LTV of Project Cost (case by case) Up to 80% LTV - Purchase & Up to 65% LTV - Cash out Refinance  

Up to 100% LTV of Project Cost (case by case)

 

COMPLETE APPLICATION COMPLETE APPLICATION  

COMPLETE APPLICATION

 

 

 

 

 

 

LOAN PRODUCTS 9 OF 15

HARD MONEY LOANS BRIDGE LOANS  

UNRESTRICTED LOANS

 

No Set Minimum FICO No Set Minimum FICO  

No Set Minimum FICO

 

$100K to $7M+  

$100K to $20M

 

$350K to $5M
 

3mo to 36mo Term

 

1yr to 3yr Term 3yr Term
 

No Pre-Payment Penalties

 

No Pre-Payment Penalties No Pre-Payment Penalties
 

9% to 16% Interest Only

 

8% to 14% Interest Only Fixed Rate (vary)
 

Up to 90% LTV or 65% As Is Value (whichever is less) on Purchase & up to 50% LTV on Cash out Refinance

 

65% LTV 90% LTV
COMPLETE APPLICATION COMPLETE APPLICATION  

COMPLETE APPLICATION

 

 

 

 

 

 

LOAN PRODUCTS 12 OF 15

 

INTERNATIONAL LOANS

 

PERSONAL LOANS REVERSE MORTGAGE LOANS
 

No Set Minimum FICO

 

No Set Minimum FICO No Set Minimum FICO
 

$10M to $500M

 

$1K to $200K No Set Amount
 

12mo to 60mo Term (case by case)

 

3yr to 10yr Term No Set Terms 
 

No Pre-Payment Penalties

 

No Pre-Payment Penalties No Monthly Payments 
 

As low as 8% Fixed Rate

 

Fixed Rates  Fixed Rates
 

Up to 100% LTV of Project Cost (case by case)

 

Unsecured Loan  Based on Home Equity & Age
 

COMPLETE APPLICATION

 

COMPLETE APPLICATION COMPLETE APPLICATION

 

 

 

 

LOAN PRODUCTS 15 OF 15 

 

 

FARM LOANS

 

RENTAL PROGRAM LAND LOANS
 

No Set Minimum FICO

 

No Set Minimum FICO No Set Minimum FICO
 

$400K to $20M

 

$450 to $5k+ a month $400K to $20M
 

Up to 25yr Term

 

As low as month-to-month Up to 25yr Term
 

No Pre-Payment Penalties

 

Up to 24 month lease term No Pre-Payment Penalties
 

As low as 4% Interest Rates

 

Some with option to buy As low as 3% Interest Rates
 

Up to 80% LTV

 

 Residential & Commercial Up to 80% LTV
 

COMPLETE APPLICATION

 

COMPLETE APPLICATION COMPLETE APPLICATION