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Avoid Hard Money.com
 * Call 813-963-1256


AVOIDHARDMONEY.COM
$250,000 TO $5,000,000

Non-PRIME Loan Solutions for everyone. We understand that not every borrower
fits in a conventional loan program. AvoidHardMoney.com is a mortgage brokerage
company that has alternative loan programs that range from 5% fixed long term
(5, 7, 30 year) as opposed to hard money lenders that are usually 9%+.
Get your Loan Quote Today!

Loan ProgramsQuick 2-minute Application


BANK STATEMENT

This program is designed for borrowers who are self-employed and would benefit
from alternative loan qualification methods. Bank
statements (personal and/or business) may be used as an alternative to tax
returns to document a self-employed borrower’s
income. 

LEARN MORE

INVESTOR

This program is designed for experienced real estate investors and qualifies
borrowers based on cash-flows solely from the subject
property.

LEARN MORE

FIX AND FLIP

Sometimes a great opportunity comes up in the market. Our Fix and Flip loan
allows borrowers to purchase a distressed property or refinance an incomplete
property without the need for draws and escrow accounts.

LEARN MORE

NO INCOME / STATED INCOME

Quikly renfince hard money loans with our no income stated program. Investor
home loans only.  3/5/7 Arm or 30 Year Fixed

LEARN MORE


580


MIN FICO


$250,000


MIN LOAN AMOUNT


$5,000,000


MAX LOAN AMOUNT


BANK STATEMENT

1, 12 and 24 months bank statements
Up to 95% LTV**
DTI up to 55%**
Primary, 2nd Home & Investment
Up to $5 million loan amount
Credit scores as low as 500
Investor Program with Debt Service option
Interest Only option available
Non-warrantable condos available
Lower rates than hard money

Loan Application



INVESTOR – NON HARD MONEY

The borrower is qualified based upon the cash flows of the subject property
only, regardless of the number of properties
owned by the borrower
–Asset Based Loans (NO Employment Verification, NO Income Qualification, NO DTI
Calculations, NO Tax Returns or 4506 Required)
-30-Day Seasoning on Refinances
-No Sourcing or Seasoning of Funds
-Long-Term Buy & Hold Products (30-Year Amortizations)
-Rates as Low as 5%
-Portfolio Loans Available
-Close in Weeks, not Months
-Up to 80% LTV on Purchases and 70% on Refi Cash-Outs
-640 Min. Credit Score
-Min. Loan Amount: $250K, Max Loan Amount: $5 million, depending on loan product
-Lower rates than hard money

Loan Application


FIX AND FLIP

Non-Owner Occupied Properties Only
Stated Income (No Income Verification)
Loan Amounts: $250,000 – $7,000,000
Max LTV 80% (Up to 100% CLTV w/ Rehab Financing)
No Minimum Fico
No Seasoning Requirements
Close in 5 to 7 Days!
Lower rates than hard money

Loan Application




NO INCOME / STATED INCOME

Min FICO 620
No income on 1003
No ratios
Investors qualify w/ the cash flow of the subject property
Loan amounts up to $5,000,000
LTV’s up to 80%
Purchase, Cash-out and Rate / Term available
Can close as Corp / LLC
Unlimited # of financed properties
Lower rates than hard money

Loan Application



WHAT IS NON-PRIME LENDING?

Non-Prime is a term for loan types that do not fit into the restraints of
government lending standards known as Prime, Agency, or A-Paper Lending and
defined as Qualified Mortgages. These usually have lower rates than hard money
lenders.




COMMERCIAL / INVESTOR RESIDENTIAL LOANS AVAILABLE NATIONWIDE EXCEPT FOR CA, OR,
HI AND UT

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FOR PRIME, FHA, VA, USDA, CONVENTIAL LOANS – TRANSSTATESMORTGAGE.COM 

Click Here


Trans States Commercial Corp.
Oakstead Professional Center
19508 Shumard Oak Dr. Suite 103
Land O Lakes, FL 34638

Tony Jagmohan Persaud
NMLS# 390841
813-963-1256
tony@transstatesmortgage.com

Trans States Mortgage
NMLS# 1643318
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