Real Estate Loans

LiteDoc Purchase

2 to 8 Units Residential Mixed Use

Designed to support investors by helping them expand their portfolios or enter new markets with competitive rates and flexible terms. This solution ensures a straightforward purchasing process while offering the financial stability needed to succeed in real estate investments.

Tax returns are not required.

LiteDoc Purchase

5 to 10 Units Multifamily 

Tailored to provide investors with competitive options, the program uses rental income-based qualifying to streamline approval. It’s the ideal solution for investors pursuing scalability and rewarding returns in the multifamily real estate market.

Tax returns are not required.

LiteDoc Purchase

Small Commercial 

Eligible properties: Multifamily, mixed-use, retail, office, light industrial. automotive, mobile home park, warehouse, self-storage, restaurant/bar, daycare. 

Tailored to provide investors with competitive options, the program uses rental income-based qualifying to streamline approval.

Tax returns are not required.

LiteDoc Refinance

2 to 8 Units Residential Mixed Use

Built for investors seeking to optimize their debt strategy. This refinance program enables them to reduce interest rates or improve loan structures by providing reliable refinancing solutions. Simplify debt management and enhance long-term investment viability.

Tax returns are not required.

LiteDoc Refinance

5 to 10 Units Multifamily

Designed to support investors seeking to refinance multifamily properties. The program offers competitive terms while focusing on maximizing cash flow and optimizing property performance through improved debt structures with flexibility and control in mind.

Tax returns are not required.

LiteDoc Refinance

Small Commercial

Eligible properties: Multifamily, mixed-use, retail, office, light industrial. automotive, mobile home park, warehouse, self-storage, restaurant/bar, daycare. 

Tailored to provide investors with competitive options, the program uses rental income-based qualifying to streamline approval.

Tax returns are not required.

30-Year or 15-Year Fixed Rate

A conventional loan in which the monthly payments remain the same throughout the life of the loan. With a 30-year-fixed-rate mortgage, your monthly principal and interest payments are lower than on a 15-year fixed-rate loan. But, a 15-year loan allows you to repay your loan twice as fast and have significant interest savings.

5, 7 or 10 Year Adjustable Rate Mortgage (ARM).

Is a type of loan with an interest rate that can change periodically. This means the payment can go up or down. Generally, these changes are determined by a margin and an index so that changes in the interest rate are based on current market conditions. Most often these interest rate charges are limited by periodic and lifetime rate change caps.

Jumbo

fixed or adjustable rate financing option for wellqualified buyers who need to purchase a high-value home that exceeds the conventional county loan limit. You can use this program to buy a primary residence, vacation home, or investment property. However, higher loan amounts may have reduced tax benefits, and you should consult a professional accountant.

FHA

A government-backed, fixed-rate loan to help borrowers who may not qualify for conventional financing. The program offers competitive interest rates and less stringent guidelines, allowing borrowers with debt and low credit scores to buy a home with a low down payment. However, additional monthly mortgage insurance payments are required.

Bank Statements

An option for self-employed and high net-worth individuals who cannot document their income with tax returns to meet the stringent documentation requirements of traditional lenders. You can use between 12 and 24 months of combined personal and business bank statements to qualify for a fixed or adjustable-rate mortgage.

LiteDoc Invest

for

2 to 4 Units, Condos, and

Single Family Residences

Designed to provide greater flexibility and control for real estate investors and property owners. Unlike traditional mortgages that focus primarily on the financial ability and credit rating of the borrower, the DSCR program looks at the cash flow of the property to determine the ability to repay the fixed or adjustablerate loan.

Tax returns are not required.

Cash-Out Refinance

A way to both refinance your mortgage and borrow money at the same time. You refinance your mortgage and receive a check at closing. The balance owed on your new mortgage will be higher than your old one by the amount of that check, plus any closing costs rolled into the loan.

Variable to Fixed Rate

In times of economic uncertainty or market volatility, a fixed-rate mortgage offers security, as your mortgage payments remain unaffected by external economic factors. Knowing that your mortgage payments won’t change due to interest rate fluctuations can reduce financial stress.

Lower Your Payment

Refinancing your mortgage to take advantage of lower interest rates is one way to lower your monthly payment. In some cases, a lower interest rate may also be associated with the option to extend the mortgage term. The borrower should consider an evaluation between more interest over the life of the loan and monthly financial relief.

LiteDoc Refinance

2 to 4 Units, Condos, and

Single Family Residences

Designed to provide greater flexibility and control for real estate investors and property owners. Unlike traditional mortgages that focus primarily on the financial ability and credit rating of the borrower, the DSCR program looks at the cash flow of the property to determine the ability to repay the fixed or adjustablerate loan.

Tax returns are not required.

Home Equity Loans (Second Loans)

Borrow against the equity in your home and receive a lump sum of money that you can use to renovate, cover major expenses, or consolidate debt. On average, home equity loans offer lower fixed rates and longer repayment terms than personal loans, student loans, or credit cards.

Home Equity Line of Credit (HELOC)

A revolving credit line that allows you to borrow as much as you need up to your credit limit. Typically, with an adjustable percentage rate with options to lock in all or a portion of your line at a fixed rate. During the draw period (5 to 10 years), you may only have to make interest payments for better cash flow management.