How we work
From first call to funded
We shop your deal, bring you options side by side, and keep everyone posted every week until it closes.
The 48-hour clock
When your file is complete, the clock starts
You can get an estimate on day one from your answers alone. Lenders give real terms only on a complete file, so that's when we start counting.
Business hours, Monday to Friday. Weekends and holidays don't count.
Step by step
What happens, and what you'll do
Tell us about the deal
Fill out Quote My Deal, call or text 425-620-2559, or book a call. We reply the same business day.
A straight conversation
Three questions first: Is this loan for a business or investment purpose? Will you or family live in the property? Will it close in an LLC or other entity?
Then your experience, your exit and your numbers. If we're not the right fit for this deal, we'll say so and point you to who is.
We build a complete file with you
One specific list of what your kind of deal needs (below). Any number you're unsure of, we work out together.
Options, side by side
Your deal goes to the lenders in our directory that fund your kind of project. Their answers come back to you on one page, exactly as each lender stated them, with our fee in writing beside them.
We walk through it together
Rate, points, leverage, draw speed and total cost. When you pick an option, we request the formal term sheet and start the application with that lender.
Underwriting to clear to close
Every Monday you get a written update with the current timeline and anything we need from you. You'll also hear from us at underwriting, conditional approval and clear to close. Your agent, title company and closing team get the same updates.
Closed, and ready for the next one
Our fee is paid at closing on your settlement statement. We check in at 30, 60 and 90 days to line up your next deal.
What you'll see
Every option on one page
This is the layout of your options page. Each figure comes straight from the lender; nothing is filled in by us.
| Option A | Option B | Option C | |
|---|---|---|---|
| Loan amount | from lender | from lender | from lender |
| Interest rate | from lender | from lender | from lender |
| Points | from lender | from lender | from lender |
| Lender fees | from lender | from lender | from lender |
| Maximum leverage | from lender | from lender | from lender |
| Term | from lender | from lender | from lender |
| Time to close | from lender | from lender | from lender |
| Our fee | The same published fee, in writing, on every option | ||
Options are lettered in the order lenders answer. Figures are preliminary and are not a commitment to lend.
Documents
What a complete file looks like
Every deal needs the basics. Each loan type adds a few items.
The basics
- Entity documents: articles, operating agreement, EIN letter, certificate of good standing
- ID for each guarantor
- Last 2 months of business bank statements
- Your track record for the last 36 months
- Purchase contract, or payoff if refinancing
Fix & flip
- Scope of work with a line-item budget
- Photos of the property
Ground-up
- Plans and an itemized budget
- Permits, or where they stand
- Builder's license, insurance and contact
DSCR rental
- Lease, or market rent
- Insurance quote or declarations page
- Mortgage statement if refinancing
Bridge & commercial
- Rent roll
- Trailing 12-month operating statement (T-12)
- A short business plan
Who we serve
Every request gets an answer
Most of our work is business-purpose lending. When a request needs a different kind of loan, our partners take it the same day, so you are never left without a next step.
Investors and builders
Business-purpose loans
- Flips, rentals, new builds and commercial projects
- Closing in an LLC or other entity
- At least one completed project, or a partner on the deal who has one
- A clear exit, backed by closed sales or rent that covers the payment
- Your own money in the deal
Buying a home you'll live in
Same-day introduction
Loans for a home you or your family will live in require a licensed mortgage professional. We introduce you to our licensed mortgage partner the same day you reach out.
Start your home loanStarting or buying a business
One simple application
Business funding runs through our funding partner. Any fee is disclosed to you in writing before you apply, and our team stays your point of contact.
Ask about fundingNext step