Residential Mortgage

 

For the borrower with less than perfect credit, challenges with proof of income or just need to close quickly. ICF offers consumers the ease of financing with lower-than-expected rates. Our program varies between traditional income documentation to alternative forms of proof of income documentation. InterCapital Funding even finances borrowers with fico scores as low as 550! Our maximum DTI is as high as 55% with LTV’s as high as 90%. We offer a creative solution for hard to finance Borrowers.

 

• Alternative Doc: VOE only, 1099 only,

P&L only (no bank statements)

• Traditional Alt Doc: 12 and 24 months personal or

business bank statements

• Traditional Full Doc: W2’s & Paystub (wage earner),

1040’s (self-employed)

• $50,000 – $4,000,000

• 30 year fixed and 5/1, 7/1 arms

• DTI’s up to 55%  • LTV’s up to 90%

• Rates as low as 4.25%

1-4 Family units-OK

• 100% Gift Funds – OK

• FHA/VA

• Lease Option Buyout – OK

• Foreclosure Bailout- OK

Commercial Mortgage

 

Borrowers looking to refinance N/O/O SFR, Condo, and 5 unit or more properties can look for some of the best rates in the Non-QM industry with our Commercial loan Program. Long term (30 years) loans with NO balloon payments and Interest only options are available. You can count on many options for prepayment privileges and property taxes/insurance.

 

• No Income Proof Needed

• All Loans are N.I.V. (No Income Verified)

• No Income stated on 1003

• LTV up to 80%

• No DTI Ratios

• DSCR ratios as low as .75

• Rates as low as 4.50%

• Loan Amounts from $100,000 – $3,000,000

• Lending to LLC’s, S-Corp, C-Corps, Trusts or Individuals.

• Property Types Include: SFR, Condo,

5  Units or more multifamily

• Interest Only Option Available

• Foreign Nationals – OK

• 100% Gift Funds – OK

Fix & Flip Loans

New or experienced investor looking to finance the next Fix and Flip project or Rental loans. ICF offers Investors the ease of financing with lower-than-expected rates. We will fund up to 90% of the acquisition and 100% rehab costs Our program varies between traditional income documentation to alternative forms of proof of income documentation.

 

 

 

• Loan Amount from $50,000-1,000,000

• Minimum 600 fico

• Rate start at 4.5%

• NO Prepayment penalty

• • Rates as low as 6.99%

• LTV up to 75%

• Loan Amounts from $5,000 – $1,000,000

• Lending to LLC’s, S-Corp, C-Corp, Trust or Individuals.

• Property Types Include: SFR, Condo, Condotels, 2-4 Units

• Interest Only Option Available

• Foreign Nationals – OK

• Properties with minimal Deferred Maintenance – OK

• Rural Properties – OK

Bridge Loans

Every Investor needs a short-term Bridge loan, to cover payroll, property taxes or just everyday problems, and with our bridge loan products they have a good chance of getting it. Those borrowers looking for a quick short term, we have a loan for them. We even finance properties in rural areas and those with minor deferred maintenance. With increased loan amounts and just about any credit profile, InterCapital Funding is the home for your next bridge loan request.

 

• No Income Proof Needed

• All Loans are N.I.V

• No Income Stated on 1003

• No DTI Ratios

• No DSCR calculated on residential properties

• Rates as low as 6.99%

• LTV up to 75%

• Loan Amounts from $5,000 – $1,000,000

• Lending to LLC’s, S-Corp, C-Corp, Trust or Individuals.

• Property Types Include: SFR, Condo, Condotels, 2-4 Units

• Interest Only Option Available

• Foreign Nationals – OK

• Properties with minimal Deferred Maintenance – OK

• Rural Properties – OK