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Elevated Mortgage Services
Fund Your Perfect Life. Fund the Life You Want. We Fund Your Lifestyle
Our Services & Products
Fund your dreams
Whether you’re a first-time homebuyer, looking to refinance, or need help navigating the mortgage process, our team of experienced professionals is here to help. We take pride in providing personalized and exceptional customer service, and we are committed to finding the best mortgage solution to meet each of our client’s unique needs.
We offer a wide range of loan programs in all categories of traditional loans, on-traditional/portfolio/non-QM loans, private/hard money, and selected commercial loans. Loan types: Conventional, FHA, VA, FHA, USDA, DPA’s-down payment assistance, bank statement, asset only, investor no income products, fix and flip loans, Heloc 2nd loans, reverse mortgages, loans up to $30mm, selected commercial, and more.
We also offer a range of additional services, including pre-approvals, refinancing options, and debt consolidation. Our team stays up to date with the latest changes in the market and regulations, ensuring that you receive the most accurate and relevant information possible.
*Product availability subject to change anytime
Our Services
Our Services & Products
Traditional/Residential
For qualified traditional borrowers. As little as 0-3.5% down.
Conventional, high-balance, jumbo, FHA, VA, USDA, manufactured homes (no leased land), CalHFA (down-payment assistance), combo 1st-2nd (HELOC) loans, reverse mortgages, and more. In general, as little as ZERO to 3.5% or more down payment requirements. California only.
Portfolio/Non-QM
For borrowers, freelancers, and independent contractors seeking alternative financing, and/or those who operate outside the guidelines of traditional mortgage requirements.
Hybrid W2 and 1099/SE-self-employed income, 1099 only, 40 year (with 10 yr. interest only option), bank statement for the self-employed, asset-based, life event loans (low credit scores, recent bankruptcy, foreclosure/short sale, other), DSCR-debt servicing coverage ratio-investor cash flow loans, ITIN-foreign national, non-permanent resident, 1 & 2 yr. P&L-profit and loss, SUPER jumbo, (up to $30mm loan amounts), bridge, closing in LLC/Partnerships/SCorp’s, selected-small balance commercial & mixed use, multi-family, and more. Selected loans nationwide and all loans case-by-case.
Private Money/Commercial Lending
For investors and buyers looking for fix-and-flip loans, quick closes, bridge loans, construction loans, or borrowers with no/low income.
Great for investor fix and flip loans (short term), quick closes, no/low income with low LTV, investor no income or asset verifications, bridge loans, construction loans, selected commercial, and more. Selected loans nationwide and all loans case-by-case.
• Fix and Flip Loans
Investors can purchase a distressed property with the intention of renovating it to improve it, maximizing the market value, then either selling it within a short time frame or execute an alternative exit strategy to refinance the property into a long-term loan with the intensions of keeping it as a rental, maximizing their cash flow. Terms based on experience, credit, and location.
• Bridge Loans
Bridge loans are short-term loans with a usual duration between six months to 3 years. These loans are typically secured by real estate assets, which allow borrowers a fast track to access capital for a quick close.
• Construction Loans
Ground up construction loans are used to cover the costs of building a home then in most cases converted or refinanced into a traditional home mortgage loan or sale. Typically for seasoned investors.
• Commercial Loans
Small to medium asset classes we may typically operate in: Mixed use, office, gas stations, dealerships, hospitality, senior living, industrial, storage, and more.
- Additional programs available. All programs consist of individual qualifying guidelines.
- Program guidelines and availability subject to change at any time.
- All borrowers should be pre-qualified and are subject to complete underwriting approval.
- Please contact us for more detailed information regarding loan programs and obtaining a prequalification.
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Your Elevated Future Awaits
Don’t wait any longer to get the expert mortgage advice you need. Connect with a specialist today and take the first step towards your dream home.
Fast and very easy application process
The Mortgage
Process
Let us simplify the mortgage process for you! Our team of experts will guide you every step of the way and help you find the best loan option to achieve your homeownership goals. Contact us today to get started.
During this stage, we'll have a personalized interview with you to determine your eligibility and understand your aspirations. With the information gathered, you will complete a comprehensive loan application, allowing your loan officer to tailor the best solution that meets your specific needs. Let's work together to make your homeownership journey a success!
With your loan application and necessary documents in hand, we'll forward your file to our experienced Processing department. Your file will be assigned to a senior loan processor who will perform a comprehensive review to ensure all required information is present. Our skilled processor will also prepare the initial loan disclosures and coordinate the appraisal if necessary. When the file passes their quality check, they'll move it to the next stage, underwriting. And the best part? You'll have the same loan processor by your side throughout the entire process for a seamless experience.
When the appraisal is ordered, we'll work with an Appraisal Management Company to assign a local appraiser to inspect your property. The appraiser will contact the designated point-of-contact to schedule a visit, during which they will take photographs, measure the square footage, and assess the property for any health and safety concerns. They'll also evaluate comparable properties in the area to determine the property's value. This crucial step will help us ensure a fair and accurate estimate of your property's worth.
The underwriting department plays a critical role in the mortgage process, as they are responsible for carefully evaluating all aspects of your loan file to determine your eligibility. They adhere to guidelines set forth by major agencies such as Fannie Mae, Freddie Mac, and HUD, as well as their own investors. Upon completing their thorough review, they'll issue a conditional approval, denial, or suspense. This stage is crucial to the success of your homeownership journey, and our team will be here to support you every step of the way.
With a conditional approval in hand, our team will work to fulfill any requests made by the underwriter. These conditions may come from a variety of sources, including the title company, escrow, appraiser, real estate agents, and more. We'll make sure all necessary conditions are met and then submit everything together for review. Our goal is to ensure a smooth and seamless process, so you can move one step closer to realizing your dream of homeownership.
When all conditions have been satisfied, the underwriter will clear your file for final loan documents. You and any co-borrowers will sign these documents in the presence of a notary, and they'll be returned to the lender for a final review. After all necessary items have been cleared, the loan will be set to fund and the title company will take over, recording the new loan with the county. Once the recording has been confirmed, your mortgage journey will officially come to a successful close. Congratulations on your new home!
Our Products
At Agent Mortgage, we pride ourselves on offering a diverse range of financial products and services tailored to meet the unique needs of our clients. Our mission is to provide innovative solutions that fuel the success of your real estate projects and empower you to embrace the green economies of the future. Explore our featured products and discover how we can be your financial partner in achieving your goals.
Unique C Pase Loan Program
Unlock the potential of your large-scale real estate projects with Agent Mortgage’s one-of-a-kind C Pase loan program.
Backed by a $1 trillion national retirement investment fund, this program offers unparalleled flexibility and scalability. With competitive loan rates and a swift funding process, our C Pase loan program is designed to address the challenges faced by developers in the current market. Learn more about our C Pase loan program here, and see how it can drive your project’s success.
Collaborative Financing with Ovus 360
In partnership with Ovus 360, we bring you a holistic approach to sustainable energy solutions.
Ovus 360 is pioneering Net-Zero Energy Solutions that can transform your commercial real estate projects into environmentally conscious, energy-efficient assets. With potential savings of up to 20% in the first year, no out-of-pocket costs, and an approach that harmonizes profit motives with environmental consciousness, Ovus 360 is shaping the future of green economies. Discover more about this groundbreaking collaboration here.
PACE Funding
Agent Mortgage, in collaboration with Ovus Partners 360, can help you secure Property Assessed Clean Energy (PACE) funding.
Our experts work closely with you to ensure your project aligns with PACE requirements, providing a seamless funding process. With competitive interest rates and flexible terms, PACE funding can be a game-changer for your energy-efficient real estate projects. Learn about our PACE funding solutions here.
Rapid Funding Process
Time is of the essence in the real estate industry. At Agent Mortgage, we understand the urgency of your projects.
Our rapid funding process, from project overview to successful funding, can take as little as 45 days when all parties are actively engaged. We aim to expedite your financing needs, ensuring your projects stay on track. Explore our efficient funding process here.
Sustainability for the Future
In today’s world, sustainability is not just a buzzword; it’s a necessity. Agent Mortgage is committed to supporting green economies.
We are proud to offer financial products and services that not only meet your immediate needs but also contribute to a sustainable and prosperous future. Learn more about our sustainability initiatives here.
Let's Partner for Success
Agent Mortgage is your gateway to innovative financing solutions that can transform your real estate projects. Whether you’re a developer, property owner, or investor, our products and services are designed to meet your financial needs. Explore our offerings, and let’s work together to shape the future of your real estate ventures.