WE MAKE PRIVATE HARD MONEY OWNER-OCCUPIED LOANS EASY CALIFORNIA ONLY

The Accelerated Lending Group owner-occupied program enables borrowers to qualify for a loan with less-than-perfect credit to purchase or refinance. 

By offering private hard money loans through this program, mortgage originators can differentiate themselves from competitors and position themselves as experts in this type of financing, leading to increased referrals and business growth. 

This can help mortgage originators maintain or even increase their loan volume despite changes in the market, such as fluctuating interest rates or tighter lending guidelines.

PROGRAM HIGHLIGHTS - CALIFORNIA ONLY

  • No Minimum Fico Score Required*

  • No Tradeline Requirements*

  • No Reserve Requirements*

  • No Seasoning Of Down Payment Required*

  • No Seasoning Of Closing Costs Required*

  • No Seasoning On Rate & Term*

  • No Seasoning On Cash-Out*

  • No Restrictions On Gift Funds*

  • No Rate Locks To Worry About

  • No Prepayment Penalties

  • No Early Pay-Off Penalties

  • Late Payments Ok*

  • Foreclosure Ok*

  • Bankruptcy Ok*

  • Lend to LLC Or Corporation Ok*

  • First-Time Home Buyers Allowed*

  • ITIN OK*

  • No Broker Package Required*

Why Partner With Us

  • Local Decision Making Allows Us To Give An Initial Approval (Quick Answers)

  • We Can Usually Tell You Immediately If We Can Be Your Lender

  • Contact Us About Your Scenario

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Upon receipt, the file will be reviewed and any missing items will be requested.*

Incomplete files will not be submitted for approval.*

Once the file is approved, An updated conditions list will be emailed with any outstanding conditions.*

Our approval is subject to the information presented on the Initial submission.*

Should the final package be different than the Initial submission, your loan terms, rate & approval might differ.*

Disclaimer: All loans are subject to the marketability, quality & condition of the subject property for approval.*

The programs advertised are not a commitment or guarantee from Accelerated Lending Group to lend.*

Programs, rates, and other terms and conditions are subject to change without notice, some restrictions apply*
















































































PURCHASE

  • Up to 65 - 75% LTV*  - case by case basis*

  • Seller Contributions Ok*  

  • Minimum loan amount 100K* 

  • Loan amounts up to 2 million*

RATE & TERM REFINANCE

  • Up to 60 - 70% LTV of the property value - case by case basis* 

  • Minimum loan amount 100K*

  • Loan amount up to 2 million*

REFINANCE CASH-OUT

  • Up to 60 - 70% LTV of the property value - case by case basis* 

  • Minimum loan amount 100K*

  • Loan amounts up to 2 million*

INITIAL SUBMISSION CHECKLIST

  • Initial Submission Form & Checklist (See ToolBox Below)

  • Complete 1003 (Submit in MISMO 3.4 Format)

  • Credit report within 60 Days of submission (All Pages)

  • Copy of Valid Drivers License

  • Copy of Social Security Card or ITIN CARD

  • Copy of most recent 30-day pay stubs

  • 2 Year's most recent W2s / 1099

  • 2 Years' most recent complete tax returns

  • Pension Award Letter (If Retired)

  • Social Security Award Letter (If Retired)

  • Copy of divorce decree & most recent 12 months canceled child support checks or bank statements  (If using child support income)

  • Fully executed purchase agreement (If Applicable)

  • Copy of subject property insurance

  • Copy of most recent mortgage statement                  

  • Statement of Information (See ToolBox Below)

TOOLBOX (Downloadable PDF Forms Below)

TURN TIMES:

LE / UW

New Files (Purchase): 1-2 Business Days

New Files (Refi): 1-2 Business Days

Conditions: 1-2 Business Days

Clear To Close

CTC CD Issuance: 1 - 2 Business Day

Loan Docs
Schedule at least 3 business days out from the signed CD















































































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