*  PURCHASE OR REFINANCE. 

*  MAX LOAN AMOUNT $453,100 (ABOVE THIS WILL BE A "JUMBO" LOAN W/ HIGHER RATES).

*  FIXED RATES - AMORTIZED OVER 8 to 30 YEARS - NO PRE-PAYMENT PENALTIES.

*  ADJUSTABLE RATES AVAILABLE - RECOMMENDED IN SPECIAL SITUATIONS.

*  620 MIDDLE CREDIT SCORE AND UP.

*  1% DOWN PAYMENT LOANS AVAILABLE FOR BORROWERS WITH 720+ CREDIT SCORES.

*  3% DOWN PAYMENT LOANS AVAILABLE FOR BORROWERS WITH SCORES DOWN TO 620.

*  5% DOWN PAYMENT LOANS AVAILABLE FOR MANUFACTURED HOMES.

*  LENDER PAID MORTGAGE INSURANCE AVAILABLE TO LOWER YOUR PAYMENT.

*  UP TO 10 FINANCED PROPERTIES ALLOWED. NO LIMIT ON NUMBER OF FINANCED PROPERTIES, IF SUBJECT PROPERTY IS PRIMARY RESIDENCE.

*  FINANCING FOR MANUFACTURED AND MODULAR HOMES, 1-4 UNIT RESIDENTIAL PROPERTIES, CONDOS, ETC.

*  PURCHASE OR REFINANCE.

*  100% FINANCING AVAILABLE FOR 640 AND HIGHER CREDIT SCORES.

*  3.5% DOWN PAYMENT WITH A 580 - 639 CREDIT SCORE.

*  10% DOWN WITH A 500 - 579 CREDIT SCORE.

*  ALLOWS ONLY 2 YEARS OUT OF CHAPTER 7 BANKRUPTCY, 1 YEAR OUT OF A CHAPTER 13 BANKRUPTCY FILING, AND 3 YEARS AFTER A FORECLOSURE.

*  FINANCING FOR MANUFACTURED AND MODULAR HOMES, 1-4 UNIT RESIDENTIAL PROPERTIES, CONDOS, ETC.

*  DEBT RATIOS UP TO 55%.

*  SUBJECT PROPERTY MUST BE OWNER OCCUPIED.

*  203K REHAB LOANS AVAILABLE--SEE REHAB SECTION BELOW.

*  LOANS FOR VETERANS AND/OR THEIR SPOUSES.

*  NO MONEY DOWN REQUIRED.

*  CAN GET CASH OUT UP TO 100% OF APPRAISED VALUE.

*  FINANCING DOWN TO 500 CREDIT SCORE.

*  LOANS FOR THOSE ONLY 2 YEARS OUT OF A CHAPTER 7 BANKRUPTCY, 1 YEAR OUT OF A CHAPTER 13 BANKRUPTCY FILING, AND 2 YEARS OUT OF A FORECLOSURE.

*  FINANCING FOR MANUFACTURED AND MODULAR HOMES, 1-4 UNIT RESIDENCES, CONDOS, ETC.

*  SUBJECT PROPERTY MUST BE YOUR PRIMARY RESIDENCE.

*  LOANS FOR OWNER OCCUPIED RESIDENCES LOCATED IN RURAL AREAS OR TOWNS OF 25,000 PEOPLE OR LESS.

*  NO DOWN PAYMENT REQUIRED.

*  CREDIT SCORES AS LOW AS 580 ALLOWED.

*  FINANCING FOR THOSE 3 YEARS OUT OF A CHAPTER 7 BANKRUPTCY OR FORECLOSURE, AND 1 YEAR OUT OF A CHAPTER 13 BANKRUPTCY.

*  FINANCING FOR 1 UNIT FRAME HOUSES OR BRAND NEW MANUFACTURED HOMES.

*  PURCHASE OR REFINANCE.

*  LOAN AMOUNTS TO 3 MILLION OR MORE.

*  FIXED RATES - AMORTIZED 30 / 20 / 15 YEARS.

*  ADJUSTABLE RATES AVAILABLE - ONLY RECOMMENDED IN SPECIAL CASES.

*  UP TO 90% LOAN TO VALUE.

*  CASH OUT AVAILABLE ON REFINANCES.

*  WE HAVE MANY SUBPRIME LOAN PROGRAMS.

* RATES ARE BETWEEN CONFORMING AND PRIVATE MONEY LOANS.

* LOAN AMOUNTS UP TO $6 MILLION AVAILABLE.

* MAXIMUM LOAN TO VALUE RATIOS: 70% TO 90%.

* DEBT RATIOS UP TO 55%.

* ALTERNATIVE INCOME VERIFICATION ALLOWED (12 OR 24 MONTHS BANK STATEMENTS).

* NO LIQUID RESERVES REQUIRED.

* ASSET DEPLETION LOANS AVAILABLE.

* NO INCOME VERIFICATION LOANS AVAILABLE ON RENTAL PROPERTIES.

* FORECLOSURE BAILOUT LOANS AVAILABLE.

* LOANS FOR BORROWERS WITH RECENT FORECLOSURES, BANKRUPTCIES, OR SHORT SALES.

* LOANS FOR BORROWERS WITH CREDIT SCORES BELOW 500 AVAILABLE.

* 100% GIFT FUNDS DOWN PAYMENTS ALLOWED.

* LOANS TO FOREIGN NATIONALS AVAILABLE.

* INTEREST ONLY LOANS AVAILABLE ON NON-OWNER OCCUPIED PROPERTIES.

* PLEASE ALSO CHECK OUT OUR PRIVATE MONEY LOANS.

*  PURCHASE & REFINANCE LOANS FOR 1-4 UNITS.

*  MAXIMUM LOAN TO VALUES RANGE FROM 75% TO 85%.

*  CONFORMING RATES ON RENTALS ARE A LITTLE HIGHER THAN ON PERSONAL RESIDENCES.

*  FIXED AND ADJUSTABLE RATES AVAILABLE (ADJUSTABLE RATES NOT RECOMMENDED)

*  CONVENTIONAL, SUB-PRIME, AND PRIVATE LOANS AVAILABLE FOR THESE PROPERTIES.

*  UNLIMITED FINANCED PROPERTIES ALLOWED, SUBJECT TO LOAN TYPE.

*  LOANS FOR SELF-EMPLOYED BORROWERS.

*  FAST AND FLEXIBLE FINANCING - RESIDENTIAL, COMMERCIAL, AND LAND.

*  PURCHASE , REFINANCE, REHAB / REMODEL, CONSTRUCTION, DEVELOPMENT. 

*  FIRST MORTGAGES ONLY.

*  MAX LTV = 65% RESIDENTIAL & COMMERCIAL / 50% MAX LTV LAND ONLY. 

*  MAIN QUALIFICATIONS ARE SUFFICIENT EQUITY AND SUFFICIENT INCOME.

*  COMPETITIVE FIXED RATES WITH 5 POINTS (5% of LOAN AMOUNT) ORIGINATION FEE.

*  PAYMENTS ARE AMORTIZED OVER 30, 25, 20, 15, OR 10 YRS. OR ARE INTEREST ONLY.

*  USUALLY A BALLOON EARLY PAY-OFF IN 5 YEARS OR LESS IS REQUIRED.

*  PERSONAL RESIDENCE LOANS USUALLY HAVE BALLOONS DUE IN 6 TO 9 YEARS.

*  TO PROTECT YOU AND OUR INVESTORS, WE ALWAYS VERIFY INCOME AND DEBT RATIO.

*  MOST OF OUR LOANS HAVE NO PRE-PAYMENT PENALTIES.

*  WE ORIGINATE DODD-FRANK ACT COMPLIANT PRIVATE PERSONAL RESIDENCE LOANS.

*  WE CALCULATE LOAN TO VALUE PER MARKET VALUE OR AFTER REPAIRED VALUE, NOT PURCHASE PRICE.

*  THE ABOVE LTV CALCULATION ALLOWS YOU TO BUY AT A DISCOUNT WITH A SMALL DOWN PAYMENT.

*  PURCHASE, REFINANCE, OR CONSTRUCTION.

*  LOANS FOR APARTMENTS, MOBILE HOME PARKS, OFFICES, RETAIL, STORAGE, INDUSTRIAL,  AUTOMOTIVE, SENIOR CARE, NEARLY ANY TYPE OF COMMERCIAL STRUCTURE.

*  LOAN TO VALUES RANGE FROM 55% TO 80%, DEPENDING ON PROPERTY TYPE.

*  THE MAIN QUALIFICATIONS ARE LOAN TO VALUE AND PROPERTY OR BUSINESS INCOME.

*  CONVENTIONAL, NON-CONFORMING, SBA, B&I, FARM, PRIVATE & HARD MONEY LENDERS.

*  COMMERCIAL LOANS ARE HANDLED BY OUR AFFILIATE "FREEDOM FUNDING."

*  PLEASE CALL FREEDOM FUNDING AT 503-393-2133 FOR DETAILS.

*  "WE LIBERATE FUTURE CASH FOR PRESENT USE."  'TM'

*  WE BUY SELLER HELD REAL ESTATE NOTES & CONTRACTS SECURED BY RESIDENTIAL, COMMERCIAL, AND LAND PROPERTIES NATIONWIDE - WHERE ALLOWED.

*  WE ALSO BUY SELLER HELD NOTES CREATED BY THE SELLER FINANCED SALE OF A BUSINESS.

*  WE PAY HIGHER PRICES FOR DESERVING NOTES AND CONTRACTS.

*WE DO NOT HAVE A STANDARD DISCOUNT;  WE PRICE EACH PURCHASE ACCORDING TO ITS RELATIVE SAFETY OR RISK.

*  WE ASK FOR MORE INFORMATION UP FRONT, BEFORE WE GIVE A QUOTE.  WE NEED TO GATHER ENOUGH INFORMATION, SO THAT WE CAN STAND BEHIND OUR QUOTE.  WE WILL NOT "BAIT AND SWITCH" YOU.  "BEWARE" OF QUICKIE QUOTE NOTE BUYERS!

*  TO GET A QUOTE, PLEASE PROVIDE US WITH A COPY OF THE NOTE OR CONTRACT, THE CLOSING STATEMENT, AND BASIC INFORMATION ABOUT THE PROPERTY, THE SALE, AND THE BUYERS

*  WE ALSO BUY THE FOLLOWING OTHER CASH FLOWS:  STRUCTURED INSURANCE SETTLEMENTS, CELL TOWER LEASE PAYMENTS STREAMS, INHERITANCES, MILITARY PENSIONS, BUSINESS TO BUSINESS INVOICES / ACCOUNTS RECEIVABLE, ETC.

*  CONTRACT AND CASH FLOW PURCHASES ARE HANDLED BY OUR AFFILIATE: FREEDOM FUNDING.

*  PLEASE CALL FREEDOM FUNDING AT 503-393-2133 FOR MORE INFORMATION.

*  CONFORMING, FHA, VA, SUB-PRIME, AND PRIVATE CONSTRUCTION LOANS ARE AVAILABLE.

*  CONSTRUCTION LOANS ARE AVAILABLE FOR BOTH RESIDENTIAL AND COMMERCIAL.

*  ONE TIME CLOSE RESIDENTIAL CONSTRUCTION TO PERMANENT CONVENTIONAL LOANS ARE AVAILABLE.

*  CONSTRUCTION LOANS UP TO 90% LOAN TO VALUE ON CONVENTIONAL OWNER OCCUPIED 1 UNIT RESIDENCES.

*  LOANS UP TO 96.5% LOAN TO VALUE FOR FHA ONE TIME CLOSE CONSTRUCTION TO PERMANENT LOANS ON 1 UNIT OWNER OCCUPIED PROPERTIES.

*  LOANS UP TO 100% LOAN TO VALUE FOR VA ONE TIME CLOSE CONSTRUCTION TO PERMANENT LOANS ON 1 UNIT OWNER OCCUPIED PROPERTIES.

*  PRIVATE CONSTRUCTION LOANS UP TO 65% OF FINISHED VALUE AVAILABLE.

*  BORROWER SHOULD BE A GENERAL CONTRACTOR OR HIRE CONTRACTOR(S) TO DO THE WORK.

*  A CONSTRUCTION COST ESTIMATE IS REQUIRED.

*  WE DO CONSTRUCTION COST HOLDBACKS AND INSPECT COMPLETED PHASES.

*  WE PAY VENDORS AND SUPPLIERS DIRECTLY AND REIMBURSE BORROWER PAID INVOICES/RECEPTS.

*  PRIVATE CONSTRUCTION LOANS ALLOW NO PAYMENT/INTEREST ACCRUING, IF THERE IS ENOUGH EQUITY AND THE LOAN TO VALUE IS LOW ENOUGH.

*  INTEREST IS DUE ON THE FULL LOAN AMOUNT FOR PRIVATE CONSTRUCTION LOANS.

*  PRIVATE CONSTRUCTION LOANS CAN ADD A PAYMENT RESERVE TO THE LOAN AMOUNT, IF THERE IS ENOUGH EQUITY AND THE LOAN TO VALUE IS LOW ENOUGH.

*  CONFORMING, FHA, SUB-PRIME, AND PRIVATE REHAB PURCHASE AND REFINANCE LOANS ARE AVAILABLE.

*  FHA 203K REHAB PURCHASE LOANS ARE AVAILBLE WITH 3.5% DOWN.

*  CONVENTIONAL HOMESTYLE RENOVATION LOANS ARE AVAILABLE WITH 5% DOWN ON OWNER OCCUPIED AND 15% DOWN ON NON-OWNER OCCUPIED PROPERTIES.

*  REHAB LOANS ARE AVAILABLE BOTH ON RESIDENTIAL AND COMMERCIAL PROPERTIES.

*  LOANS UP TO 65% OF AFTER REPAIRED VALUE ON PRIVATE REHAB LOANS.

*  LOANS UP TO 90% OF PURCHASE PRICE ON PRIVATE REHAB LOANS, IF PURCHASE PRICE IS WELL BELOW AS REPAIRED VALUE.

*  BORROWER SHOULD BE A GENERAL CONTRACTOR OR HIRE CONTRACTOR(S) TO DO THE WORK.

*  A REHAB COST ESTIMATE IS REQUIRED.

*  WE DO REHAB HOLDBACKS AND INSPECT COMPLETED PHASES.

*  WE PAY VENDORS OR SUPPLIERS DIRECTLY OR REIMBURSE BORROWER PAID INVOICES/RECEIPTS.

*  WE CAN DO NO PAYMENTS/INTEREST ACCRUING PRIVATE LOANS, IF THERE IS ENOUGH EQUITY AND THE LTV IS LOW ENOUGH.

*  INTEREST IS DUE ON THE FULL LOAN AMOUNT FOR PRIVATE REHAB LOANS.

*  WE CAN ADD A PAYMENT RESERVE TO THE LOAN AMOUNT, IF THERE IS ENOUGH EQUITY.