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Facilitates transitioning properties from distressed to stabilized or new construction. Lien position is 1st or 2nd TD.
Borrower takes a larger loan than their current mortgage and receives the difference in cash, replacing the old mortgage with a new, larger loan as the primary lien. Lien position is 1st, 2nd, and 3rd TD.
Foreclosure Bailout Loan is used when you’re the borrower, behind on payments, and need urgent funding to stop foreclosure. Lien position is usually 2nd TD but sometimes 1st TD.
Finance for renovating or rehabilitating existing properties, usually short-term. Lien position is 1st, 2nd, or 3rd TD.
Real estate loan based on a property's cash flow rather than the borrower's income. Lien position is 1st or 2nd TD.
Short-term first lien mortgage for purchasing or construction before long-term financing. Lien position is 1st TD or Subordinate.
A financing solution where a borrower obtains both a first and second mortgage simultaneously to purchase a property. This structure is often used to avoid private mortgage insurance (PMI) or to reach a higher total loan-to-value (LTV) ratio.
Combined debt and equity financing, typically secured by a second lien (2nd TD) on property equity, and often used in real estate deals where it is subordinated to the primary mortgage. Lien position is 2nd or 3rd TD.
A Ground-Up Construction Loan finances new builds from land purchase to completion. LTC compares the loan to total project cost (land, labor, materials), while LTV compares it to appraised value. Lien position is 1st, 2nd, or 3rd TD.
Consolidate multiple property debts into one mortgage. Lien position is 1st, 2nd, or 3rd TD.
Loan where the borrower has failed to make scheduled payments for a prolonged period, typically 90 days or more, making it unlikely to be fully repaid. Lien position is 1st, 2nd, and 3rd TD.