BE BOLD. BUILD EQUITY

Need ground-up construction financing? A rehab loan? Residential bridge loan?

FIX AND FLIP

Efficient short-term financing for real estate investors buying, renovating and selling residential properties

 RENTAL PROPERTIES

Flexible long-term financing for landlords acquiring or refinancing cash-flowing residential properties and portfolios

Become A BrokerSubmit A Deal

Fast Approvals

BUILD EQUITY ® provides QUICK loan eligibility for all your Non-QM lending needs. We issue Pre-Qualifications within 24 hours after we’ve analyzed your borrower’s employment, income, assets, credit, and loan request.

Closings in less than 10 days

BUILD EQUITY ® is a small private money lender that takes personal interest in every property we finance. You won’t be shuffled from one department to another looking for answers, instead, work directly with our underwriters from start to finish and get the answers you deserve – on your schedule.

Custom Tailored Loans

You are unique. you look unique, and the way you manage your money is unique. So, why should you be given the same mortgage as the next? The answer is: you shouldn’t. At BUILD EQUITY ® , we custom fit our loans’ to meet our clients’ needs. No more trying to fit into someone else’s loan.

Out of the Box Lending

Have you ever been strung along and then denied for a mortgage? Most Americans have, and that stinks. With our make sense lending approach, we are able to approve a wider variety of candidates than traditional lenders. If your loan makes sense, we can fund it.

Long Term Relationships

We found that the mortgage process, right now, mimics an assembly line. We didn’t like the idea of being passed around to multiple representatives, just to find out if you qualify, or not. With BUILD EQUITY ®, you will only work with a small team that was built for your specific needs. We want to get to know our clients and their story, that’s why we don’t pass you around.

TOP LOAN PROGRAMS

FIX & FLIP 90/90

  • 13 Month Fixed IO Balloon Note
  • 10% Needed for Down Payment
  • 10% Needed for Rehab
  • 6 Months Interest Reserves
  • 2 Months of Asset Verification
  • Most Recent Tax Returns are Required

Buy & Hold

  • 5/1 ARM 7/1 ARM & 30 Year Fixed Rate
  • Non-Owner Occupied
  • Cash Out up to 75% LTV
  • Cross-collateralization Ok

COMMERCIAL

  • 3/1, 5/1, 7/1, 30 Year Amortization
  • Cash out 75% LTV
  • No Tax Returns Needed
  • Lease Agreements Only
  • 2 Months of Asset Verification

QUICK GUIDELINES

  • Credit As low as 600
  • 1-4 Unit Investment Property
  • First Time Property Flipper Ok
  • Permanent Resident Foreign Nationals Ok
  • Must be Non-Owner Occupied
  • No Prepayment Penalty
  • No Minimum Loan Amount
  • Vesting in Trusts, Corps, Partnerships

QUICK GUIDELINES

  • Credit As low as 600
  • 1-4 Unit Investment Property
  • First Time Property Flipper Ok
  • Permanent Resident Foreign Nationals Ok
  • Must be Non-Owner Occupied
  • No Prepayment Penalty
  • No Minimum Loan Amount
  • Vesting in Trusts, Corps, Partnerships

QUICK GUIDELINES

  • Credit As low as 580
  • Mixed-Use, 5+ Family Building, Commercial
  • Permanent Resident Foreign Nationals Ok
  • Non-Owner Occupied or Owner Occupied
  • No Prepayment Penalty Options
  • $250,000 Minimum Loan Amount
  • Vesting in Trusts, Corps, Partnerships

Are you a Real Estate or Mortgage Professional?

Offer your clients more and close more loans

OUR PROCESS

  • 1.

  • 2.

Register With Us

First time loan submissions from brokers need to send in a broker package. Please click HERE for download.

Send Deal to BE

Email the loan package to [email protected] or upload direct from our Loan Submission Portal. Once we have electronically received your intent to proceed your loan will go through our initial Quality Control set up. At this stage the loan opener will review your credit file and order services, such as appraisal, 4506’s, verifications of employment and assets.

  • 3.

  • 4.

  • 5.

Processing & Pre-Approvals

BUILD EQUITY ® provides QUICK loan eligibility for all your Non-QM lending needs. We issue Pre-Qualifications within 24 hours after we’ve analyzed your borrower’s employment, income, assets, credit, and loan request.

Borrower & Property Underwriting

Once the loan reaches the underwriter milestone, the loan processor will ask for additional documents and letters of explanation. It is very important that the client work closely with the loan processor, and return the requested documentation as soon as possible. The reason the processors asks for additional documentation is because every loan needs to meet specific eligibility criteria for loan approval.

Closing & Funding

BUILD EQUITY ® underwriter reviews the complete loan file- credit, appraisal, title, income, assets. Upon complete review the underwriter certifies that the loan meets eligibility criteria to receive loan approval.

CONTACT INFO

121 W Oak Street Amityville NY 11701

631 250 6533

Mon. - Fri. 9:00 - 6:00

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